Borrison/hk-legicost huggingface dataset:
為何不如部分修正案所述，容許僱主和"打工仔"選擇直 接將強積金供款用以購買盈富基金、投放外匯基金，甚至存入銀行定期收息？
Why do we not introduce measures as proposed in some amendments which allow employers and wage earners to choose to directly use MPF contributions on subscription to the Tracker Fund of Hong Kong invest their contributions in the Exchange Fund or even as deposits with banks for term interests?
在強積金"搵笨"的大前提下，對於何君堯議員提出以強積金購買醫療保險的建議，以及謝偉俊議員與黃定光議員提出，容許動用強積金作首次置業資金的建議，我認為是值得研究的，但當中也有很多細節和執行問題需要解決。
On the premise that the MPF is dupery the proposal of using MPF to take out medical insurance put forth by Dr Junius HO and the proposals of allowing scheme members to use MPF to pay the down payment of first home purchase put forth by Mr Paul TSE and Mr WONG Ting - kwong are worthy of consideration . Nevertheless a lot of details and issues concerning implementation need to be resolved
就此，我會集中談談動用強積金置業的建議。
In this connection I will focus on discussing the proposal of using MPF for home purchase
設立強積金的目的是提供部分退休保障，並希望能賺取一定的回報，讓"打工仔"在65歲退休時有一筆資金在手。
The objective of setting up MPF is to provide partial retirement protection for wage earners with the hope that a certain level of return can be earned so that wage earners will be able to have an amount of capital in hand when they retire at the age of 65
根據香港過去的經驗和情況來說，物業投資似乎也可達到上述目的。
Insofar as past experiences and circumstances in Hong Kong are concerned this objective can be achieved by property investments
不過問題是，如果容許"打工仔"在65歲正常退休年齡前，取走全部或部分強積金置業，那麼是否也容許他們在65歲前，將有關物業出售套現？
The question is if wage earners are allowed to withdraw part or the whole of their MPF to acquire properties prior to their normal retirement age of 65 are they also allowed to realize the properties concerned before they reach the age of 65?
如果容許他們因為不同理由，很快用光出售物業所得的資金，這是否有違強制他們供款及儲蓄，以作為退休保障的原意？
If they are allowed to sell their properties for various reasons and exhaust all capital from property sales within a short time will this violate the original intent of providing retirement protection by forcing them to commit to contributions and savings?
如果規定以強積金購買的物業，在僱員65歲前不能出售套現，那麼能否用以出租、收租？
If it is provided that employees are not allowed to realize properties acquired by MPF funds before they reach the age of 65 will they be allowed to rent out the properties and collect rent?
是否一定要購買住宅物業？
Are they required to be residential properties?
可否用以購買鋪位、車位？
Can the employees acquire shop spaces or car parking spaces?
相關物業可否用以向銀行加按借貸來做生意，或多購置一個單位？
Can the employees use the properties concerned to approach banks for arrangements of top - up mortgage loans to do business or acquire another flat?
還有，假設"打工仔"取走所有強積金作為置業的首期，但不幸地，其後因失業等原因而無法償還按揭，銀行可否收回相關單位轉為銀主盤；甚至不幸地相關單位變為負資產，又應怎辦？
Furthermore if wage earners withdraw all of their MPF funds to pay the down payment of home purchase but unfortunately they subsequently become unable to repay the mortgages due to unemployment or other reasons can the banks foreclose the properties concerned and turn them into repossessed residential properties? . What should be done if these properties concerned unfortunately become negative equity assets?
有人可能會質疑，既然新加坡也容許"打工仔"動用中央公積金置業，為何香港人不可以？
As wage earners in Singapore are allowed to use their Central Provident Fund savings to acquire properties someone may query why are people in Hong Kong not allowed to do so?
但大家要留意，新加坡只容許動用公積金購買組屋，即類似香港的居屋。
We must note that Singaporeans are only allowed to use MPF to buy Housing Development Board HDB flats which are similar to the Home Ownership Scheme HOS flats in Hong Kong
香港居屋補地價後便可在私人市場自由轉售，這是我一直反對的；但據我理解，新加坡的組屋並沒有補地價後自由轉售這回事。
Owners of HOS flats in Hong Kong are at liberty to resell their flats in the private market after paying the premium . I have always opposed this . As far as my understanding goes such a measure of allowing HDB flats to be resold after paying premium is not in place in Singapore
再者，新加坡公積金供款比率高達僱員入息的37%，反觀香港的強積金，僱主加上僱員供款的比率一般只是10%，難以直接比較。
Furthermore in Singapore the MPF contribution rate is as high as 37 % of the employees income . In Hong Kong generally speaking the total contribution rate from both employers and employees is 10 % only . It is difficult to make direct comparisons between the two
代理主席，我提出這麼多問題，並非為維護現行強積金制度。
Deputy President I have raised so many questions not because I wish to defend the existing MPF System
現行制度確有很多問題，需要不斷改善，包括進一步調低受託人的收費、提升回報率、增加投資選擇等，希望可洗脫強積金"搵市民笨"的 負面印象。
It is true that the existing System is plagued with problems and requires continuous improvements which include further lowering of fees charged by trustees enhancing return rates and increasing investment options . It is hoped that these improvements may be able to remove the negative image of MPF taking advantage of the public
然而，要作出根本改革，便必須經過深入研究和廣泛諮詢，才可下決定。
However to carry out fundamental reforms in - depth studies and extensive consultations must be conducted before further decisions can be made
主席，首先感謝鄭泳舜議員今天提出這項議案，讓大家在這議題上發表意見，讓政府吸納。
President first of all I would like to thank Mr Vincent CHENG for moving this motion today to allow Members to express their views on this subject for the Governments consideration
香港於1973年開展新市鎮發展計劃，目的是為了應付預計的人口增長，當時有9個新市鎮，合共容納了350萬人口。在9個新市鎮當中，6個是由填海得來的，為大型公營房屋提供了大片發展土地。不過，近年填海造地往往引來極大爭議，大規模的公屋發展項目變成鳳毛麟角，可遇不可求。
Hong Kong initiated the New Town Development Programme in 1973 to cope with the projected population growth
主席，我發言以示不支持陳淑莊議員提出的議案，根據《立法會條例》成立專責委員會，調查沙田至中環線最近出現的問題。
President I speak in opposition to the motion proposed by Ms Tanya CHAN which seeks to appoint a select committee under the Legislative Council Ordinance to inquire into the recent issues of the Shatin to Central Link SCL
就沙中線出現的新問題，警方已經介入，政府亦擴大了由前法官領導的獨立調查委員會的職權，把這些新出現的問題納入調查範圍。
With regard to the new issues of SCL the Police have intervened and the Government has expanded the terms of reference of the independent Commission of Inquiry chaired by a former judge to cover them
在此情況下，我認為如果立法會再委任專責委員會進行調查，只是多此一舉。
Under these circumstances I find a separate inquiry by a select committee of the Legislative Council nothing but redundant
因此，我認為不應浪費立法會寶貴的時間及資源，做這些成效不彰的事情。
Hence I consider that the precious time and resources of the Legislative Council should not be wasted on an initiative that will yield no result
首先，我必須澄清，我不支持陳淑莊議員的議案，絕非表示我認同及接受香港鐵路有限公司的解釋及其所作所為。
First of all I have to clarity that my opposition to Ms Tanya CHANs motion definitely does not mean that I approve of and accept the explanations and conduct of the MTR Corporation Limited MTRCL
對於由港鐵公司負責管理的沙中線工程一而再、再而三爆出工程醜聞，其"沒有最差、只有更差"的表現，我感到既不可思議又憤怒。
I am most perplexed and infuriated by the series of works scandals and degrading performance of MTRCL in managing SCL project
然而，我明白事情已經發生，即使嚴厲批評港鐵公司亦無補於事。
Nevertheless I understand that making harsh criticisms of MTRCL will get us nowhere since the incidents have already happened
特首林鄭月娥亦迅速宣布擴大紅磡站獨立調查委員會的職權範圍，把在紅磡站發現的新問題納入調查範圍之內。特首更承諾會嚴肅跟進，以核實紅磡站工程結構是否安全。
Chief Executive Carrie LAM promptly expanded the terms of reference of the Commission to cover the newly identified issues at Hung Hom Station and undertook to follow up the incident seriously in order to verify the structural safety of Hung Hom Station
由此可見，沙中線紅磡站出現的新問題，無論政府、警方及獨立調查委員會均已各司其職，積極跟進。
Hence it is evident that the Government the Police and the Commission are performing their respective duties in proactively following up the new issues at Hung Hom Station of SCL
在此情況下，立法會還有何理由畫蛇添足？
As such why should the Legislative Council take a superfluous action?
主席，我十分理解反對派的不滿及憤怒，但我希望他們不要被怒火遮蔽雙眼，而應冷靜思考一下，究竟有甚麼事情是警方及前法官領導的調查委員會也無法查明，而必須由立法會成立的專責委員會才能查個水落石出的？
President I fully understand the dissatisfaction and rage of the opposition camp but I hope they will not be blinded by anger . Instead they should ponder calmly over what cannot be found out by the Police and the Commission chaired by a former judge but only by a select committee of a Legislative Council?
再者，在港鐵公司的惡劣管理下，誰能擔保沙中線及港鐵公司的鐵路項目不會再出現其他新問題？
Moreover who can guarantee that there will be no more new problems with SCL and other railway projects under the poor management of MTRCL?
如果每次出問題，立法會都介入調查，顯然不切實際。
It is clearly impracticable for the Legislative Council to intervene whenever a problem surfaces
如果立法會現時委任專責委員會調查事件，更可能擾亂相關政府部門正在進行的調查，反而適得其反。
Appointing a select committee to inquire into the matter at this stage is counterproducitve as it may disrupt the ongoing inquiries conducted by the authorities
須知道立法會一旦引用《條例》進行調查，涉及案件的細節及機密資料難免曝光；在立法會舉行相關聆訊期間亦容易泄漏機密資料，這不但可能影響警方的調查，甚至會讓違法者逍遙法外。
It should be noted that once the Legislative Council invokes PP Ordinance to inquire into the matter detailed and confidential information concerning the case will be inevitably exposed and leaks of confidential information are probable during the inquiry which will not only affect the Police investigation but also enable lawbreakers to get away from the long arm of the law
因此，我認為立法會現階段不宜成立專責委員會，以免擾亂相關部門的正常調查工作。
Hence I hold that the Legislative Council should not appoint a select committee at this stage so as to avoid causing disruption to the official investigation by the authorities
主席，我認為立法會議員固然要關注民生，對於關乎公眾安全的事件更不能有半點鬆懈。
President Legislative Council Members should definitely be concerned about peoples livelihood in particular matters concerning public safety
我固然認同做人處事必須有責任感，但如果在未查明事情真相、未知責任誰屬前就貿然追究別人的責任，要求個別官員問責下台，顯然有違公允，亦無助調查事件的真相，對市民也沒有任何幫助。
While I certainly believe a sense of responsibility is a must for everyone it is unfair and unhelpful to the investigation and the public to hold others accountable hastily and demand individual public officers to step down when the truth of the matter is not yet ascertained
我想再強調，我不支持陳淑莊議員的議案，絕非表示放棄問責。
I wish to reiterate that my opposition to Ms Tanya CHANs motion does not mean giving up the pursuit of accountability
相反，我衷心希望港鐵公司每次出問題後，政府不要只是不痛不癢地說"遺憾"或"失望"。
I sincerely hope the Government will not merely call it regretful or disappointing every time a problem arises with MTRCL
港鐵公司管理不善，固然值得批評，但政府未盡監管責任，同樣責無旁貸，難辭其咎。
The poor management of MTRCL certainly warrants criticism but the Government can hardly absolve itself of the blame for failing to fulfil its monitoring role
因此，政府要真正反躬自省，迅速、全面、認真地檢討公職人員有否疏忽職守，現行涉及港鐵公司的委託協議安排、監督制度、處罰機制等是否存在不足；繼而採取真正有效的改善措施，該問責的問責，該改進的改進。
Hence the Government should really reflect on itself and examine promptly comprehensively and seriously whether any public officers have neglected their duties; whether there are any deficiencies in the existing entrustment agreement arrangement supervisory regime and penalty mechanism in relation to MTRCL and then introduce effective improvement measures . People who should be held accountable should be held accountable . Things which should be improved should be improved
這才是真正負責任的態度，也是作為政府及港鐵公司大股東的應有之義。
This is a truly responsible attitude that should be adopted by the Government as the major shareholder of MTRCL
至於港鐵公司方面，我希望他們更換管理層後不要重蹈覆轍，並時刻緊記自己肩負商業及社會責任，以謙卑認真的態度做好每項工程的管理工作。
As for MTRCL I hope it will not repeat the same mistakes after management replacement and always bear in mind that it carries on its shoulders commercial and social responsibilities
第一，我當然肯定夏正民法官在這事上的努力，但我不妨告訴大家，就整件事來說，我會稱之為一個循環。
First I certainly recognize the efforts made by Mr Michael HARTMANN . But let me tell Members one thing . Concerning this whole issue I would call it a cycle
立法會現在有新的循環系統，這循環系統是甚麼？
The Legislative Council has a new cycle now . What is this cycle?
首先，沙田至中環線爆發醜聞，市民十分關注，然後泛民主派議員多次要求引用《立法會條例》調查沙中線問題，我也不知道今次是第幾次，我們已就此問題討論很多次了。
It all started with the outbreak of scandals involving the Shatin to Central Link SCL which has aroused grave concern from the public . Then the pro - democracy Members repeatedly demanded that the Legislative Council Ordinance be invoked to probe into the problems of SCL . I cannot tell for how many times this proposal had been made before it is again proposed here today
接着，建制派和政府當然不同意由立法會調查，然後政府委任獨立調查委員會調查，讓建制派有理由反對引用《條例》調查。
We have discussed it many times already . Then the pro - establishment camp and the Government of course would not agree to the conduct of an inquiry by the Legislative Council . Then the Government appoints an independent commission of inquiry to carry out an inquiry so that the pro - establishment camp could have a reason to vote against invoking PP Ordinance to conduct an inquiry
因此，千萬不要說我們民主派"死纏爛打"，因為如果能夠成立專責委員會，我們一定調查到底。
Therefore do not say that we in the pro - democracy camp are sore losers because we will definitely dig to the bottom of it if a select committee can be set up
政府聯同港鐵公司在調查委員會聆訊結束後翌日召開記者招待會，向公眾交代事件，很難不令人質疑，根本的政治目的是為了避開調查委員會，不想調查委員會插手相關的事件。
The Government and MTRCL held a joint press conference the next day after the end of the hearings of the Commission to give an account of this incident to the public . It is very difficult not to arouse suspicions that the political purpose was to evade investigation by the Commission into the incident
這好像代理主席你今天......
It is like you Deputy President not feeling well today I am sorry for you are healthy and I should not have drawn an analogy with you
因為我們今天討論的並非小小的傷風感冒，而是牽涉每天可能有近百萬人乘坐的公共交通基建運輸系統。
Because what we are discussing today is not such trivial matters as catching a cold or the flu but a public transport infrastructure or system that probably has a daily patronage of close to a million passenger trips . What is more serious is that in this incident the Governments response seems to be different from those in the past
更嚴重的是，在今次事件上，政府的回應好像與以往不同，政府事先不知情，但卻在聆訊結束後公布，我覺得不是忘記了、不是不小心、不是意外，而是整個政府包括行政會議及特首林鄭月娥故意這樣做。
The Government was unaware of it initially but made an announcement after the end of the hearings . I think it is not the case that the Government had forgotten it or it had been absent - minded; nor was it an unexpected accident . Rather it is done deliberately by the entire Government including the Executive Council and Chief Executive Carrie LAM
上一次，無論是民主派、建制派或政府都異口同聲說這是港鐵公司嘗試隱瞞問題，大家一起作出強烈譴責。
In the last incident the pro - democracy camp the pro - establishment camp and the Government said in unison that MTRCL had attempted to conceal the problem and they all came forth to strongly condemn MTRCL
政府和港鐵公司一直知悉事件，卻一起待調查委員會的調查結束後才說表格有問題，為何各位建制派又不譴責呢？
The Government and MTRCL had all along been in the know but they divulged information on the problem with the forms only after the Commission had completed its inquiry . So why did you in the pro - establishment camp not make any condemnation?
陳帆局長剛才回應議員質詢說局方要躬身自省，但我想說，無論是林鄭特首或陳帆局長如果真的向自省的方向走，沙中線這件事便不會不斷擴大調查範圍，亦不會在最後一刻才說出問題，而這個問題根本在政府系統內早已知悉。
Secretary Frank CHAN said just now in response to a Members question that the Bureau should engage in humble introspection . But I would like to say that had Chief Executive Carrie Lam or Secretary Frank CHAN really taken an attitude of soul - searching the scope of inquiry into SCL would not have been expanded continued and the problems would not have been revealed only at the last moment when the Government had known it a long time ago already
坦白說，如果政府當初好像在紅磡站發現問題般，一開始便把問題說出來，例如混凝土呈蜂巢狀和圖則不符等情況，市民也會體諒。
Honestly had the Government revealed the problem right from the outset just as it did when Hung Hom Station was first found to have problems such as honeycomb concrete deviation from the plans and so on the public would have understood it
我到街站跟市民溝通，其實市民很想沙中線早日通車，而無論出現甚麼問題，不管是由政府的調查委員會還是引用《條例》調查，總之把問題解決，早日通車，便是那麼簡單，當然還要賠償給土瓜灣的街坊，因為工程有機會令他們的大廈倒塌。
I have talked to the public at street booths and actually the people very much wish to see the commissioning of SCL as early as possible . No matter what problems have emerged or whether an inquiry is conducted by the Governments Commission or by invoking PP Ordinance they only wish that the problem can be solved and SCL can commence operation early . It is just this simple and of course it is necessary to make compensation to residents in To Kwa Wan because there is a chance that the construction works can cause their buildings to collapse
政府不是一開始便嘗試發掘所有問題，然後開誠布公，坦誠面對問題，而是使用一種公關中最差的手法，"擠牙膏"現在不止擠一枝牙膏，而是擠了數枝牙膏，擠完薄荷味，現在是擠木炭味、菠蘿味，是嗎？
The Government did not try to find out all the problems at the outset and it did not reveal the problems openly and sincerely and face the problems honestly . Rather it has adopted the worst public relations tactic of squeezing a tube of toothpaste . Now it is not squeezing just one tube of toothpaste but several of them and after squeezing the one with a mint flavour it is now squeezing one with a charcoal flavour a pineapple flavour right?
我覺得公眾憤怒並非沒有原因，由立法會不同黨派議員徹查事件，最低限度大家也覺得政府是認真想解決問題和承擔責任，但政府一直對於這些問題或多或少知情，但又不說出來，更用公關伎倆處理，這樣如何對得起市民呢？
I think it is not without reason that the public are enraged . If a thorough investigation can be conducted by Members from various political parties and groupings in the Legislative Council at least the public will have the feeling that the Government seriously wishes to resolve the problems and to assume responsibilities . But while the Government was in one way or another aware of these problems it did not reveal them and worse still it adopted public relations tactics to deal with them
主席，我動議修正何君堯議員的議案。
President I move that Dr Junius HOs motion be amended
代理主席，首先感謝何君堯議員今天提出"活化強制性公積金"議案。
Deputy President first of all I would like to thank Dr Junius HO for proposing todays motion on Revitalizing the Mandatory Provident Fund
積金局主席黃友嘉早前表示，最新的強積金總資產已累積超過8,000億元，數字很龐大。
The Chairman of MPFA David WONG has earlier revealed that the latest figure of the total amount of MPF assets is over 800 billion . This is a very enormous figure
我認為可就這兩個方向進行研究，但正如有些同事所說，如果真的下決心朝這個方向進行研究，我相信有需要加設適當的限制。
I hold that studies can be conducted on these two options . However just as some Honourable colleagues have mentioned it is necessary to impose appropriate restrictions if we decide to conduct studies in this direction
政府亦計劃在積金局下成立子公司，負責"積金易"中央平台。
Under MPFA a subsidiary specifically responsible for implementing the centralized platform of eMPF will also be set up
中央受託人究竟由政府充當，還是找一家具信譽又可靠的公司擔任，可以再作考慮；無論如何，以單一受託人模式運作可節省很多費用。
The issue of whether this role of a central trustee is to be played by the Government or a reputable and reliable corporation can be given more consideration in future . In any case the operation of a single trustee model will be able to save a lot of fees
投資選擇方面，在單一受託人制度下，仍有很多不同的基金及基金經理，為市民提供不同風險及類型的投資選擇。
As for investment options under the single trustee system many different funds and fund managers are still available to offer investment options of various risks and types to the public
金發局亦提出，增加及擴闊投資選擇的類別，讓所有獲證券及期貨事務監察委員會審核的產品成為強積金的基金投資工具。
FSDC has also proposed to increase and expand the categories of investment options to include all products authorized by the Securities and Futures Commission as fund investment vehicles of MPF
然而，我們要小心，因為強積金是退休保障其中一根重要支柱，假使容許強積金投資於一些較高風險的產品，一旦招致虧蝕，同樣會被市民責罵。
However we have to be cautious . Given that MPF is one of the important pillars of retirement protection if MPF is allowed to invest in relatively high - risk products losses incurred will also draw public criticisms
說回各位同事的議案。
Coming back to the motion and amendments proposed by various Honourable colleagues
果真如此，恐怕每年的供款都會用來購買醫療保 險，我因此對這項建議有保留。
If that being the case I am afraid the entire amount of contributions each year will be spent on taking out medical insurance . Hence I have reservations about this proposal
謝偉俊議員提出使用強積金作首次置業首期，但我覺得這是杯水車薪，因為以現時樓價水平，究竟要動用多少強積金才可應付首置？
Mr Paul TSE has proposed to use MPF to pay the down payment of first home purchase . I hold that this is just a drop in the bucket . According to the current property price level how much MPF has actually to be used in order to pay the down payment?
代理主席，香港人口老化是不爭的事實，而香港政府一直未有完善的退休保障制度，令不少市民的退休生活缺乏保障，亦是不爭的事實。
Deputy President the population in Hong Kong is ageing . This is an indisputable fact . The Hong Kong Government has yet to put in place a comprehensive retirement protection system resulting in the retirement life of many members of the public being left unprotected
誠然，正如剛才不少議員所說，強制性公積金計劃回報低、管理費高，市民對於強積金怨聲載道，這亦是不爭的事實。
This is also an indisputable fact . Of course just as many Members mentioned earlier the Mandatory Provident Fund MPF schemes charge high management fees but yield low returns thus causing many complaints from the public . This is an indisputable fact too
香港現時欠缺第一支柱，即公共的、能夠作為風險分擔的長者入息保障制度。
At present the first pillar is lacking in Hong Kong that is we do not have a public income protection scheme for the elderly that serves the purpose of risk sharing . The community has all along advocated a universal retirement protection system requiring tripartite contributions from the Government employers and employees . This scheme will benefit all members of society and is also proved by calculations of actuaries to be sustainable
民間一直倡議由政府、僱主及僱員三方供款，全民受惠，並經精算師計算證明可持續的全民退休保障制度，可惜政府經過多番諮詢及研究後繼續漠視民意，遲遲不肯落實，令香港的退休保障制度仍然存有一個很大的漏洞，市民需要依靠其他不完善的支柱，應付退休生活的需要。
Unfortunately after a number of consultation exercises and studies the Government continues to disregard public opinions and put off its implementation . As a result there is still a huge loophole in Hong Kongs retirement protection system . Members of the public have to rely on other less sound pillars to cope with their livelihood needs upon retirement
代理主席，根據《2017年香港貧窮情況報告》，長者貧窮率是整體水平的兩倍以上。
Deputy President according to the Hong Kong Poverty Situation Report 2017 the elderly poverty rate was more than twice the overall level
當然，政府會說部分長者是低收入、高資產，但由於缺乏實質數據，退休保障政策仍然成效不彰，令長者退休生活貧窮亦是不爭的事實。
Of course the Government claims that some of the elderly make a low income but hold huge assets . However due to the lack of concrete figures the Governments retirement protection policy is still ineffective resulting in the elderly living in poverty upon retirement . This is another indisputable fact
然而，強積金一直未能保障一群沒有有薪工作的市民包括我的母親，即家庭照顧者，當中以女性為主或因身體狀況和能力等原因而被就業市場排斥的市民，例如殘疾人士、長期從事零散工的人士。
While the optimum use of MPF is to provide retirement protection for salaried employees it has all along been unable to provide protection for those who are not on payroll―including my mother ie . the family carers with the majority of them being women―or members of the public rejected by the job market due to their physical condition or abilities such as people with disabilities and those working casual jobs on a long - term basis
這些被強積金制度排斥的市民老無所依，造成女性貧窮和長者貧窮等社會問題。
Rejected by the MPF System these members of the public will remain lacking any sense of support and security in their old age thus generating social problems such as women in poverty and elderly in poverty
另外，香港社會一直對於基層勞工保障不足，他們的薪金低，強積金供款十分有限，是否足夠應付退休生活亦有很大疑問。
Moreover the protection for grass - roots workers has all along been inadequate in Hong Kong society . Their low salaries result in very limited MPF contributions . It is doubtful whether these contributions will be able to cope with their livelihood needs in retirement
大量的零散工，勞工法例漏洞處處，間接容許僱主不為僱員供款，逃避僱員退休保障的責任。
A large number of casual workers and various loopholes in the labour legislation have indirectly allow employers not to make MPF contributions for employees thus evading the responsibility of providing for employees retirement protection
代理主席，我在大學教授社會政策。
Deputy President I teach social policies in the university
從社會政策角度而言，強積金背後提倡的是個人責任，即要求個人為自己的退休生活作打算，強積金亦要求僱員自行管理自己的強積金戶口，以賺取較佳回報。
From the perspective of social policies the concept behind the MPF System is personal responsibility which means it requires an individual to plan for his own retirement life . MPF also requires employees to manage their own MPF accounts in order to make better returns
不過，必須注意的是，並非所有僱員均有足夠的知識及能力負起個人責任，很多人對基金、股票和投資一無所知，不懂從大量基金中作出理性選擇。
However it must be noted that not all employees have sufficient knowledge and ability to take up this personal responsibility . Many people know nothing about funds stocks and investments . They do not have a clue about making a rational choice among a large number of funds
這種個人責任制要求個人承擔投資風險，亦沒有任何資源再分配的作用，無法促進社會公義或較公義的分配。
This personal responsibility system requires an individual to bear investment risks . As it does not serve the function of redistribution of resources it fails to advance social justice or a more equitable distribution