Borrison/hk-legicost huggingface dataset:
後者包括加強基金收費的披露要求、要求業界推出低收費基金、鼓勵及促進整合計劃、成分基金和個人帳戶、在積金局網站提供低收費基金列表、比較基金收費和表現及受託人服務的平台等。
The latter included tightening the disclosure requirement for the fees of funds requiring the industry to launch low - fee funds encouraging and facilitating the consolidation of MPF schemes constituent funds and personal accounts providing the Low Fee Fund List and a platform for comparing the fees and performance of funds as well as the service of trustees on the website of the MPFA and so on
最新一項的重要改革措施是實施有收費管制的"預設投資策略"。
The latest important reform initiative is the implementation of the fee - controlled Default Investment Strategy DIS
繼立法會於今年5月通過《2016年強制性公積金計劃條例》，積金局和業界積極籌備盡早實施"預設投資策略"。
Subsequent to the passage of the Mandatory Provident Fund Schemes Amendment Ordinance 2016 in the Legislative Council in May this year MPFA and the industry are actively preparing for the early implementation of DIS
我們剛於10月14日在憲報刊登《修訂條例》的《生效日期公告》，指定在2017年4月1日起，強積金核准受託人須在每個強積金計劃下，提供一套高度劃一、設有收費管控的"預設投資策略"，供所有計劃成員選擇。
The Government gazetted the Commencement Notice of the Amendment Ordinance on 14 October which specified that from 1 April 2017 onwards each MPF approved trustee must provide a highly standardized and fee - controlled DIS in each MPF scheme as an option for all scheme members
而沒有作出投資選擇的計劃成員的強積金累算收益，將會按"預設投資策略"進行投資。
The MPF accrued benefits of scheme members who have not made any investment choices will be invested according to DIS
收費管制包括0.75%的管理費收費上限及0.2%的實付開支上限。
The fee control consists of a management fee cap of 0.75 % and an out - of - pocket expenses cap of 0.2 %
"預設投資策略"直接回應"收費高、選擇難"的問題，是改善強積金制度的重要一步。
DIS directly addresses the problems of high fees and difficulty in making investment choices and it is a significant step towards enhancing the MPF System
自《修訂條例》獲得通過至今，我們亦注意到《修訂條例》對強積金整體制度帶來的正面影響。
Since the passage of the Amendment Ordinance we have also noticed the positive impact effected by the Amendment Ordinance on the MPF System overall
自今年5月底以來，已再有45個成分基金降低管理費和8個強積金計劃作出整合。
There has been a reduction in the management fees of another 45 constituent funds and consolidation of eight MPF schemes since the end of May this year
我們期望"預設投資策略"在明年4月1日實施後，有收費管制的"預設投資策略"可以有指標作用，進一步促使強積金整體收費下降。
Subsequent to the implementation of DIS on 1 April next year we expect the fee - controlled DIS to achieve a benchmarking effect and bring about further MPF fee reduction across the board
主席，聽取各議員就議案及修正案的發言後，我會一併作較具體的回應。
President I will give a consolidated and specific response after listening to the speeches of Members on the motion and amendments
而政府與積金局的同事會在制訂完善強積金制度的方案時，參考各位議員的寶貴意見及建議。
My colleagues in the Government and MPFA will take into account the valuable views and suggestions given by Members when formulating plans to perfect the MPF System
回顧過去，《僱傭條例》曾於1974年及1986年作出修訂，分別訂明合資格僱員可獲提供遣散費和長期服務金，其立法原意是要保障僱員合理權益，在當時經濟環境及社會氣氛下，勞資雙方都願意接受。
Amendments were made to the Employment Ordinance respectively in 1974 and 1986 to provide for the provision of severance and long service payments to eligible employees . The legislative intent was to protect employees legitimate interests . Under the then economic environment and social atmosphere both employers and employees were willing to accept the amendments
隨着社會進步，各方開始關注僱員退休保障不足的問題，經過長時間討論，政府、僱主及僱員達致共識，同意推行強制性公積金計劃，僱主和僱員各按薪酬5%供款。
Following social advancement various parties began to show concern for the lack of retirement protection for employees . After a long period of discussion the Government employers and employees eventually reached a consensus on the implementation of the Mandatory Provident Fund MPF System under which employers and employees would each make an 5 % contribution on basis of the latters income
為免加重資方負擔及希望得到資方支持，政府在談判過程中承諾強積金可與遣散費及長期服務金對沖。
To avoid adding to the employers burden and to seek their support during the negotiation process the Government promised that the MPF accrued benefits could be used to offset severance and long service payments
能夠成功推行，是政府、勞、資三方互相體諒、面對現實的結果。
The successful implementation was the result of mutual understanding among the Government employers and employees and the tripartite preparedness to address the reality
強積金制度已推行10多年，社會普遍對強積金未能達到原來保障僱員退休生活的目的，有很大意見。
The MPF System has been implemented for over a decade . There are in general strong views in society about the failure of MPF to achieve the original purpose of protecting employees retirement life
根據強制性公積金計劃管理局的資料，自強積金成立至今，年回報率平均只有2.6%，在個別經濟不景年度更出現高額虧損，以去年為例，虧損便達到8.2%，相當於51億元。
According to the information of the Mandatory Provident Schemes Authority since the establishment of the MPF System the average annual return rate is only 2.6 % and individual years of economic downturn have even seen a high rate of loss . For example last year the loss reached 8.2 % equivalent to 5.1 billion
其次，強積金達不到退休保障效果，不少低收入僱員因為豁免供款或供款額小，到退休時才發覺保障嚴重不足。
Secondly MPF has failed to achieve the effect of retirement protection . Many low - income employees find only upon retirement that the protection is seriously insufficient since they are exempt from making contributions or the amounts of their contributions are small
然而，這些都不是僱主的責任。
However employers are not to blame for these
僱員退休及強積金保障不足，是政府當年預算失誤及監管不力所致，多年來，僱主已盡責按法例要求供款，若要僱主今天承擔以往政府的失誤，通過取消對沖機制來增加對僱員的保障，是不合理的安排。
The lack of retirement and MPF protection for employees is caused by the Governments then miscalculation and its ineffective regulation . Over the years employers have fulfilled their duty of making contributions in accordance with the statutory requirements . It is an unreasonable arrangement to require employers to shoulder the responsibility for the Governments past mistakes and enhance the protection for employees through an abolition of the offsetting mechanism today
代理主席，現時全港有32萬間中小企，佔整體商業機構就業人數的46%，約130萬人，若取消對沖機制，將會對中小企造成極大影響，直接造成沉重負擔，僱員亦會因此而受到牽連。
Deputy President at present there are 320 000 small and medium enterprises SMEs in Hong Kong employing 46 % of the total employed population in commercial organizations comprising about 1.3 million people . An abolition of the offsetting mechanism will cause an immense impact on the SMEs directly imposing a heavy burden which will also adversely affect the employees
眾所周知，現時香港經濟環境一般，大部分中小企經營困難，不可能有太多儲備。
As we all know the present economic environment in Hong Kong is just so - so . Most of the SMEs have difficulties in carrying on their business and hardly hold much reserve
有做生意的都知道，很多經營者都是"先使未來錢"，企業因流動資金不足而賒帳的情況十分普遍。
People who have operated a business will know that many business operators will spend money ahead of their income . It is very common for enterprises to make purchases on credit because of insufficient liquid capital
若取消對沖機制，負責任的僱主為預留資金，唯有減少投資或借貸，設法籌集資金以應付遣散費和長期服務金的需要。
If the offsetting mechanism is abolished responsible employers will be compelled to hold a reserve by reducing their investment or securing loans so as to raise sufficient money to cater for the making of severance and long service payments
假設一間中型企業僱用了20名年資平均10年的僱員，以工資中位數15,500元計算，該企業便要預備200多萬元資金，工齡長的僱員越多，企業儲備金的需要便越大。
Suppose a medium enterprise has hired 20 employees whose length of service is 10 years on average . Using the median wage of 15,500 as the basis for calculation the enterprise will have to reserve some 2 million . The greater the number of employees with long years of service the greater the amount of money the enterprise will need to reserve
假如僱主認為無法解決儲備問題，我相信有可能會出現以下情況：無能力籌集資金的僱主，可能會逼於無奈縮減經營規模，甚至會選擇結業，而無論是公司縮減規模還是倒閉，受影響最大的肯定是員工。
If the employers find themselves incapable of resolving the reserve problem the following situations I believe may arise employers who are unable to raise such money may have no choice but to reduce the business scale or even fold the operation . Be it a reduction in the scale of the company or business closure those who are affected the most will definitely be the staff
若中小企因此出現骨牌式倒閉潮，將會嚴重影響香港的經濟活力、行業生態及社會穩定，市民的消費選擇減少之餘，更會造就大企業壟斷的局面。
If the SMEs consequently close down one after another like dominoes it will seriously affect the economic vitality industrial ecology and social stability in Hong Kong . While members of the public will have fewer choices of consumption monopolization by major enterprises will even come into existence
另一種可能性是，公司在法例實施之前，先裁減年資長的員工，然後再聘回他們，以後每當員工的年資接近5年，又再與他們重新簽訂合約，或改聘新員工。
Another possibility is that before the implementation of the law a company will first lay off employees with long years of service and then hire them afresh . Every time an employees length of service approaches five years it will sign a new contract with him or recruit a new employee
這樣，企業好像能解決取消強積金對沖帶來的問題，但實際上會適得其反，繼續留任的員工會因福利受損而缺乏歸屬感，工作表現難以維持，更容易引起勞資糾紛，損害勞資關係。
In this way it seems the enterprise is able to resolve the problem brought by the abolition of the MPF offsetting arrangement but in reality it will have counter - effects . Employees who remain in their jobs will lack a sense of belonging because their welfare has been compromised and it will be difficult for them to maintain good performance . Labour disputes will also be aroused easily injuring the employer - employee relationship
如果經常更換新員工，重複請人和培訓同樣需要投入大量資源，肯定會影響公司表現。
If a company frequently replaces its employees with new ones repeated recruitment and training exercises will also mandate the injection of a large amount of resources which will certainly affect the companys business performance
所以，取消對沖機制長遠只會進一步影響香港的競爭力。
Hence an abolition of the offsetting mechanism will only further undermine Hong Kongs competitiveness in the long term
代理主席，正如吳永嘉議員在其修正案中指出，"在確保香港的營商環境和就業市場不受衝擊，以及社會資源得以公平運用的前提下，全面檢討強積金計劃"，才能解決問題的癥結。
Deputy President as Mr Jimmy NG has pointed out in his amendment on the premise of ensuring that Hong Kongs business environment and employment market will not be challenged and social resources will be fairly utilized we should comprehensively review the MPF scheme . Only then will the core problem be resolved
黃國健議員的建議只是從勞工界的角度要求取消強積金對沖機制，但未有考慮香港社會的整體利益及所需承受的代價，亦未有就勞資雙方可能因此而面對的深層次矛盾作出客觀分析。
Mr WONG Kwok - kins proposal merely requests abolition of the MPF offsetting mechanism from the angle of the labour sector without considering the overall interests of Hong Kong society and the price payable . Neither does it make any objective analysis of the deep - rooted conflicts which employers and employees may consequently face
我希望政府深入探討，多聽不同持份者 的意見，不要在壓力下取消強積金對沖機制，而應就目前的退休保障問題作進一步研究。
I hope the Government will conduct an in - depth exploration and listen to more views of different stakeholders . Do not abolish the MPF offsetting mechanism under pressure . Instead it should carry out further studies on the existing retirement protection issues
代理主席，首先要感謝黃國健議員提出今天的議案。
Before all else Deputy President I would like to thank Mr WONG Kwok - kin for proposing the motion today
取消強制性公積金的對沖機制，會直接影響很多"打工仔"的利益，而"打工仔"是很多工會的爭取目標。
An abolition of the Mandatory Provident Fund MPF offsetting mechanism will directly affect the interest of many wage earners who are the targets of many labour unions
行政長官在政綱中承諾會"逐步降低強積金戶口內僱主累積供款權益用作抵銷僱員長期服務金及遣散費的比例"。
The Chief Executive has in his manifesto undertaken that he will adopt measures to progressively reduce the proportion of accrued benefits attributed to employers contribution in the MPF account that can be applied by the employer to offset long - service or severance payments
因此，對一眾"打工仔"來說，取消對沖機制是他們對現屆政府的合理期望。
Hence insofar as the wage earners are concerned it is a reasonable expectation of theirs on the current - term Government to facilitate abolition of the offsetting mechanism
政府曾就此進行諮詢，但結果與預期一樣。
The outcome of the consultation conducted by the Government was as expected
僱主當然不希望取消對沖機制，令經營成本增加，他們又認為市民的退休保障應該由政府負責，僱主不應繳付雙重供款，而僱員站在他們的角度，則希望被遣散時既可以獲得補償，又可以保住強積金戶口內的退休金。
Of course employers did not hope to see the abolition of the mechanism which would result in rising operating costs . In addition they considered that the Government should provide retirement protection for the public and employers should not make double contributions . From their own perspective however employees hoped to receive compensation when they were retrenched while retaining the pension in their MPF accounts
大家各執己見，由於爭議甚大，牽一髮動全身，以致社會到今天仍未有共識，難以落實任何政策。
Since employers and employees insist on holding fast to their own opinions and the controversy is so great that a small move will change the overall situation there is still no consensus in society today which makes it difficult for any policies to be implemented
剛才很多支持取消對沖機制的同事都指出，有部分低收入僱員本身的強積金供款額低，甚至不用供款，因此他們強積金戶口大部分是僱主供款，容許將強積金供款用作對沖，變相是令"打工仔女"失去他們的"血汗錢"，令他們缺乏退休保障。
Just now many Honourable colleagues supportive of the abolition of the offsetting mechanism pointed out that since the amounts of MPF contributions made by some low - income employees were very small with some of them being exempted from making contributions their MPF contributions were mostly made by the employers . As a result allowing MPF contributions to be used for offsetting purposes will in effect make wage earners lose their hard - earned money and deny them retirement protection
雖然我不否定這個事實，但凡事都有兩面，我們亦不能忽略取消對沖機制對僱主的影響。
Although I do not dispute this fact there are always two faces to a coin . Neither can we overlook the impacts of the abolition of the offsetting mechanism on employers
眾所周知，香港有30多萬家中小型企業，佔整體企業超過98%。
As we all know there are more than 300 000 small and medium enterprises SMEs in Hong Kong representing more than 98 % of the total number of enterprises
最近，有中小企組織指出，現時商界一直沒有為遣散費或長期服務金作撥備，一旦取消對沖機制，每家中小企大概會增加6%至7%的營運成本。
Recently it was pointed out by an SME organization that the business sector has all along failed to make provisions for severance or long service payments . Should the offsetting mechanism be abolished each SME will probably see its operating cost increase by 6 % to 7 %
一些聘用較多僱員的行業所承受的財政壓力將更大，部分可能會被迫結業。
Since the financial pressure faced by some trades and industries employing a larger number of employees such as the cleaning and catering industries will be even greater some of them might be compelled to close down
如果這預計準確，僱員最後可能變成受害者，結果是得不償失。
If this estimate is correct employees will eventually become victims . Consequently their loss will outweigh their gain
在諮詢期間，企業一方表達了對追溯期的憂慮。
During the consultation period the enterprises expressed their concerns about the retrospective period
強積金制度已實施了16年，如果取消對沖機制，又容許僱員追討16年來眾多對沖個案的僱主強積金供款，結果相信不難想象。
Given that the MPF System has been implemented for 16 years should the offsetting mechanism be abolished and employees be allowed to recover the employers MPF contributions involved in many offsetting cases over the past 16 years I believe it is not difficult to imagine the outcome
因此，我認為任何改動均應以保持企業穩定為前提，避免導致大量公司倒閉，亦避免僱員得不償失。
For this reason I consider that any change must be premised on maintaining the stability of enterprises with a view to pre - empting the closure of a large number of companies and preventing employees from having their loss outweighed their gain
故此，追溯期的概念既不公平亦不可取。
The concept of a retrospective period is therefore unfair and undesirable
更重要的是，追本溯源，在未有強積金制度之前，當時的政府已容許僱主根據《僱傭條例》，以他們在退休計劃所累積的供款，抵銷須向僱員支付的長期服務金及遣散費。
More importantly prior to the implementation of the MPF System employers were already allowed by the then Government to under the Employment Ordinance use their accrued contributions made under retirement schemes to offset long service and severance payments payable to their employees
及後，政府遊說商界支持成立強積金時，承諾將上述安排沿用於強積金制度。
Subsequently when lobbying the business sector to support the establishment of MPF the Government undertook that the aforesaid arrangement would continue under the MPF System
換句話說，對沖機制 是商界支持強積金的條件，是當年政府對商界的承諾。
In other words the offsetting mechanism was a condition imposed by the business sector in exchange for their support for the MPF System or the undertaking made by the Government to the business sector
況且，這個方案當年亦獲得僱員一方接納，這是政府與勞、資三方的共識。
Moreover this package which was accepted by employees as one of the parties back then represented the tripartite consensus reached by the Government employees and employers
當然，強積金制度實施了16年，我認同有需要予以完善、與時俱進，但政府在考慮履行對僱員作出取消對沖機制承諾的同時，亦須兼顧當年對商界作出的承諾，以平衡雙方利益。
Given that the MPF System has been implemented for 16 years I certainly agree that it is necessary to improve the MPF System to bring it abreast of the times . Nevertheless in considering honouring its promise to employees with regard to the abolition of the offsetting mechanism the Government should also take into consideration its promise to the business sector back then with a view to striking a balance between the interests of both parties
因此，即使要改變政策，亦須得到雙方同意，不能輕易地作出對任何一方不公平的舉措。
As such even if its policy is to be changed consent from both parties must be sought . The Government must not take any initiative that is unfair to either party
事實上，這項議題的爭議，主要是目前的制度無法為退休人士的生活提供合理保障，這是一項社會問題，政府有責任解決，否則後果最終仍會由政府承擔。
In fact the controversy surrounding this question stems mainly from the failure of the existing System to provide reasonable protection for the living of retirees . This is a social problem and the Government is obliged to resolve it or else the Government will have to bear the consequences ultimately
重要的是社會是否有共識要加強保障，答案顯而易見。
As regards the important question of whether or not there is consensus in society for enhanced protection the answer is obvious
既然大家均贊同要加強保障，就要訂定合理的解決措施，果斷執行。
Since we all approve of enhanced protection we should formulate reasonable initiatives to solve the problem and put them into implementation decisively
今天的議案和修正案，有議員認為應"一刀切"取消對沖機制。
In the motion and amendments today some Members hold the view that the offsetting mechanism should be abolished across the board
亦有一些修正案反對取消對沖機制，漠視社會部分人的聲音，我亦難以完全認同。
There are also some amendments which oppose the abolition of the mechanism turning a deaf ear to the voices of some people in society . I also find it difficult to fully subscribe to this view
對於一些中間着墨的修正案，例如建議取消對沖機制的同時，由政府作出一定的財政承擔，又或是先取消強積金對沖遣散費，但保留對沖長期服務金的安排，我認為現階段均可考慮。
As for some middle - of - the - road amendments such as those proposing abolishing the offsetting mechanism in tandem with a certain financial commitment made by the Government or abolishing the arrangement of offsetting severance payments with MPF contributions but retaining the arrangement of offsetting long service payments with MPF contributions I think these amendments can be considered at the present stage
至於另一些方案，例如建議"新人新辦法、舊人舊辦法"，新公司行新制，在指定日期之前的累積供款權益可作對沖，之後則不可以等，又或是綜合考慮上述各項方案，都是應該認真考慮、往前走而衝擊相對較少的方案。
As regards the other proposals such as those proposing adopting a new approach for new members and the old one for old members or new companies adopting a new system whereby the accrued MPF contributions can be offset only before a specified date or taking the aforesaid proposals into joint consideration they should be considered seriously for they are forward - looking with less impact
事實上，僱主和僱員同坐一條船，在取消對沖機制的問題上，應該尋求一個對兩者有利，能達致雙贏的循序漸進方案，我希望政府當局能夠盡快提出建議，供社會作進一步討論，為勞資雙方製造良好的討論氣氛，並且盡早落實，才能真正幫助僱員、優化保障，同時釐清不確定因素，改善營商環境。
In fact employers and employees are in the same boat . On the abolition of the offsetting mechanism they should seek a progressive proposal which is beneficial to both parties and capable of achieving a win - win situation . I hope the Administration can put forward a proposal expeditiously for further discussion by society create a favourable atmosphere for discussion between employers and employees and implement the proposal expeditiously with a view to genuinely helping employees and enhancing protection while clarifying uncertainties such that the business environment can be improved
代理主席，今天我首次在立法會議事堂發言，可惜卻要化身為"追數佬"，就本議案向特區政府追討一筆"勞工數"，務求令政府落實取消強制性公積金對沖機制。
Deputy President today is the first time I am making a speech in the Chamber of the Legislative Council . Unfortunately I have to play the debt collector to recover a debt the SAR Government owed workers in respect of the present motion that is to urge the Government to abolish the offsetting mechanism of the Mandatory Provident Fund MPF System
正如黃國健議員和陸頌雄議員所說，行政長官在2012年的競選政綱第11頁第16點清楚列明，會"逐步降低強積金戶口內僱主累積供款權益用作抵銷僱員長期服務金及遣散費的比例"。
As Mr WONG Kwok - kin and Mr LUK Chung - hung said the Chief Executive has stated unequivocally in his 2012 election manifesto under point 16 in page 11 that We will adopt measures to progressively reduce the proportion of accrued benefits attributed to employers contribution in the MPF account that can be applied by the employer to offset long - service or severance payments
但是，其5年任期只餘下半年，承諾仍然未有兌現，實在令"打工仔"十分失望。
Now that only six months are left of his five - year tenure this promise has yet to be fulfilled . It is a great disappointment to wage earners indeed
強積金制度在2000年12月開始推行，旨在協助日漸老化的就業人口，為退休生活作儲備，這亦是世界銀行所指的5根支柱中的第二根支柱。
The MPF System was launched in December 2000 with the objective of helping the ageing working population to keep savings for their retirement . This is the second pillar of the five pillars of old age protection envisioned by the World Bank
可悲的是，香港的基層"打工仔"辛苦工作數十載，但這根支柱卻因為對沖機制而被不斷蠶食，以致未能發揮作用。
It is lamentable that grass - roots wage earners despite decades of toil have to watch this pillar being eroded continuously by the offsetting mechanism and it being handicapped in fulfilling the intended functions
廣東話有句俗語是"越窮越見鬼"，套用在強積金對沖機制可謂最為恰當。
As a Cantonese slang goes poverty and bad luck come hand in hand and this is an apt description of the situation of the MPF offsetting mechanism
越基層、工作越不穩定的工友，例如保安或清潔外判工友，他們被對沖的機會最多，能夠儲蓄的退休金亦較少。
The grass - roots workers and those in unstable employment such as security guards and cleaners under outsourcing contracts are most susceptible to the effect of the offsetting arrangement and the amount they can save for their retirement is relatively small
正因為他們不斷轉換公司和合約，他們的強積金亦會不斷被對沖。
As they keep changing employers and contracts their benefits in the MPF accounts are offset frequently
長者貧窮問題越來越嚴重，加上香港人口越見老化，最終問題會越來越顯現。
The problem of elderly poverty is becoming more serious . With the continual ageing of the population of Hong Kong this problem will become more palpable
根據上星期扶貧委員會高峰會公布的最新數字，本港貧窮長者人口為39萬人，貧窮率達四成。與此同時，我們的福利開支已增加至622億元。
According to the latest figures announced by the Commission on Poverty at the Summit last week the size of the elderly population living in poverty in Hong Kong is 390 000 at a poverty rate of 40 %
我們的下一代，又是否有能力支撐？
Will the next generation be able to cope with this?
特首當時表示，會盡最大努力去處理；而林鄭司長亦公開重申政府的堅定立場。
The Chief Executive said at the time that he would exert his utmost to address the issue whereas Chief Secretary for Administration Carrie LAM reiterated openly the firm position held by the Government
然而，強積金的漏洞是數十年來累積的問題，政府一直未有處理，現在才急就章，表示會以失業保險金取代遣散費和長期服務金，確實令我們這群上班族十分無奈，認為政府此舉只不過是"斬腳趾避沙蟲"。
However the loopholes found in the MPF System were created over decades which the Government has failed to address all along . Now that the Government hastily proposes substituting the severance payment and long service payment with unemployment insurance this has really made us the working class feel helpless . As we see it the Governments proposal is actually trimming the toes to fit the shoes
負責有關工作的張建宗局長和陳家強局長，在2007年已經出任問責官員。
Secretary Matthew CHEUNG and Secretary Prof K C CHAN who are responsible for the relevant work have been accountability officials since 2007
作為主理的官員，理應明白強積金制度改革刻不容緩，但他們時至今日仍然議而不行。
As the government officials - in - charge they should understand that the reform of the MPF System can brook no delay yet they remain indecisive and have not taken any action to date
我今天特意為陳局長和張局長預備了一份"對沖申請表"，並已填上他們的名字，希望他們決心處理強積金對沖問題。
Today I have prepared a form for applying for offsetting particularly for Secretary Matthew CHEUNG and Secretary Prof K C CHAN . I have filled in their names and I hope they will act determinedly to address the problem involving the MPF offsetting arrangement
申請表格上亦寫上228億元的金額，代表兩位局長上任至今被對沖的強積金總額，希望這份表格能促使兩位局長還"打工仔"合理的退休保障。
I have also stated the amount of 22.8 billion in the form which is the amount of MPF benefits to be offset in MPF accounts since the assumption of office by the two Secretaries . I hope this form will prompt the two Secretaries to restore reasonable retirement protection for wage earners
否則，如問題一拖再拖，被對沖的不單是強積金，還有對特區政府的信任。
If the problem is allowed to be dragged on further it will not only offset the benefits in MPF accounts but also offset the public trust in the SAR Government