English: Thank you, Minister. Can I thank you for your statement, and can I also thank you for your weekly meetings with opposition spokespeople? I think they're invaluable, because they allow us to raise issues directly with you, as well as being updated. So, that's greatly appreciated, Minister. Can I genuinely welcome your statement? I think that the financial assistance being provided by both the UK Government and the Welsh Government is very good to date. And also I think it's quite right what the First Minister said earlier today in that it's important that schemes complement each other from both Governments. The Chancellor announced his £250 million future fund for business start-ups and the tech sector, and I wonder how you are supporting businesses in Wales to attract funding from that particular scheme. I think it's also important to take into account the Enterprise Research Centre, which published some data I think in the last couple of days, showing that Wales could be the most significantly hardest hit, as a result of the coronavirus and restrictions brought into place, and they've provided some detail with that. But, clearly, I think you said yourself, Minister, we have a higher percentage of smaller businesses here in Wales, especially in rural Wales, so I think we need to be adapting accordingly. The economic resilience fund was very welcome. From my perspective, I was telling businesses 10 days or two weeks ago that were contacting me: 'Please, just wait. The economic resilience fund is going to fill those gaps that are left'. I appreciate that any Government can't fill all the gaps, but I was expecting more gaps to be filled than what is currently the case, as announced. But I very much hope that you are going to bring forward further schemes that will support those existing gaps that exist, and I'm particularly thinking of - and I'll go though a few of the gaps now - VAT, for example. Businesses that are not registered for VAT - these businesses are small business; most small businesses in Wales, or a large number of them, are not going to be registered for VAT - are currently excluded from the criteria. So, it would be good to have confirmation that, in the next phase of the scheme, those businesses are going to be serviced. I know that Paul Davies raised this with the First Minister earlier on, but the First Minister didn't give any detailed answer at that point. There's still the issue of those who are self-employed, sole traders who recently have become self-employed, and aren't able to produce accounts. And there's also the issue of those who haven't been able to put in tax returns yet or with an irregular turnover. I am particularly thinking of businesses that may invoice, so they had work in January, February, and invoices went out and they're now being paid in March and April, but they've currently got no work coming in. So, they aren't able to meet the criteria that's been set in the current EDF funding with regard to 40 per cent reduction loss in turnover or profit. Then, there are some issues around business rates that I hope you can address. I appreciate that this crosses over with your colleague, the finance Minister, but there are many businesses that are excluded, and it does seem to me that there needs to be some degree of tapering or accommodation for this. There are businesses, for example, with a rateable value of £12,500, that are excluded, whilst businesses with a rateable value of just a little bit less are receiving £10,000 in grant money, and there are businesses in the hospitality sector, for example, with a rateable value - . I know one with a £53,000 rating that's not able to receive any funding at all, whilst a business with just a rateable value of £49,000-odd would receive £25,000 grant funding. So, what degree of tapering might come forward in future Welsh Government initiatives of business rate relief? On business rate relief as well, I'm very pleased that the Welsh Government got the money out to local authorities quickly, but there are some differences between local authorities in how they are delivering the funding direct to businesses, unfortunately. Some local authorities are doing well, such as Powys County Council in my own area, which got the money out very, very quickly. So, I very much commend that. But some local authorities are just not getting that money out, and other systems are far more bureaucratic. The tourism sector - I know it's been mentioned earlier today. There's been a significant downturn in this particular sector, and I wonder what further Government support you can confirm that will come forward to support this particular sector. Obviously, very crucial. And also, businesses that have a seasonal turnover as well, especially some that need do demonstrate a loss in profit. Clearly, some won't be able to do that because of the seasonal nature. Also, coming to the end, the recovery phase. If you could just confirm that the economic resilience fund is just for the here and now, or is it for the longer term? I assume that it's just for the here and now, and that the Government's going to come forward with a further larger package in terms of how we move beyond the current phase, and we get support out to help businesses change their business models, innovate through technology, et cetera. And finally, the Development Bank for Wales - I'm very pleased that they got loans out quickly to people. It's a good news story, perhaps, to a degree, that many businesses have been supported. But, of course, the funds have dried up, so what other additional funds can the Welsh Government lever in itself from its own resources or the UK Government's or European funding as well?
Welsh: Diolch yn fawr, Weinidog. A gaf fi ddiolch i chi am eich datganiad, ac a gaf fi hefyd ddiolch i chi am eich cyfarfodydd wythnosol gyda llefarwyr y gwrthbleidiau? Rwy'n credu eu bod yn amhrisiadwy, gan eu bod yn caniatáu i ni godi materion yn uniongyrchol gyda chi, yn ogystal â chael y wybodaeth ddiweddaraf. Felly, mae hynny'n cael ei werthfawrogi'n fawr, Weinidog. A gaf fi roi croeso diffuant i'ch datganiad? Rwy'n credu bod y cymorth ariannol sy'n cael ei ddarparu gan Lywodraeth y DU a Llywodraeth Cymru yn dda iawn hyd yma. Rwyf hefyd yn credu bod yr hyn ddywedodd y Prif Weinidog yn gynharach heddiw yn hollol iawn, ei bod yn bwysig i gynlluniau gan y ddwy Lywodraeth ategu ei gilydd. Cyhoeddodd y Canghellor gronfa'r dyfodol gwerth £250 miliwn ar gyfer busnesau newydd a'r sector technoleg, a tybed sut rydych chi'n cefnogi busnesau yng Nghymru i ddenu cyllid o'r cynllun arbennig hwnnw. Rwy'n credu ei bod hefyd yn bwysig ystyried y Ganolfan Ymchwil Menter, a gyhoeddodd ddata yn ystod yr ychydig ddyddiau diwethaf, rwy'n meddwl, sy'n dangos mai Cymru fyddai'n dioddef fwyaf o bosibl o ganlyniad i'r coronafeirws a'r cyfyngiadau a roddwyd ar waith, ac maent wedi cynnwys manylion i gyd-fynd â hynny. Ond yn amlwg, rwy'n credu eich bod wedi dweud eich hun, Weinidog, mae gennym ganran uwch o fusnesau llai yma yng Nghymru, yn enwedig yng nghefn gwlad Cymru, felly rwy'n credu bod angen inni addasu yn unol â hynny. Roedd croeso mawr i'r gronfa cadernid economaidd. O'm rhan i, roeddwn yn dweud wrth fusnesau a oedd yn cysylltu â mi 10 diwrnod neu bythefnos yn ôl: 'Os gwelwch yn dda, arhoswch. Mae'r gronfa cadernid economaidd yn mynd i lenwi'r bylchau hynny sydd ar ôl'. Rwy'n sylweddoli na all unrhyw Lywodraeth lenwi'r holl fylchau, ond roeddwn yn disgwyl i fwy o fylchau gael eu llenwi nag sydd wedi digwydd hyd yma, yn ôl yr hyn a gyhoeddwyd. Ond rwy'n gobeithio'n arw y byddwch yn cyflwyno cynlluniau pellach a fydd o gymorth i lenwi'r bylchau sy'n bodoli, ac rwy'n meddwl yn benodol am - a byddaf yn rhestru rhai o'r bylchau yn awr - TAW, er enghraifft. Mae busnesau nad ydynt wedi'u cofrestru ar gyfer TAW - busnesau bach yw'r rhain; nid yw'r rhan fwyaf o fusnesau bach yng Nghymru, neu nifer sylweddol ohonynt, yn mynd i fod wedi cofrestru ar gyfer TAW - wedi'u heithrio o'r meini prawf ar hyn o bryd. Felly, byddai'n dda cael cadarnhad fod y busnesau hynny, yng nghyfnod nesaf y cynllun, yn mynd i gael eu gwasanaethu. Rwy'n gwybod bod Paul Davies wedi codi hyn gyda'r Prif Weinidog yn gynharach, ond ni roddodd y Prif Weinidog ateb manwl ar y pwynt hwnnw. Mae problem o hyd gyda'r rhai sy'n hunangyflogedig, unig fasnachwyr a ddaeth yn hunangyflogedig yn ddiweddar nad ydynt yn gallu cynhyrchu cyfrifon. Mae problem hefyd gyda'r rhai nad ydynt wedi gallu cyflwyno ffurflenni treth eto neu sydd â throsiant afreolaidd. Rwy'n meddwl yn arbennig am fusnesau sydd o bosibl yn anfonebu, felly roedd ganddynt waith ym mis Ionawr, mis Chwefror, ac anfonwyd anfonebau allan ac maent yn cael eu talu ym mis Mawrth a mis Ebrill, ond nid oes ganddynt unrhyw waith yn dod i mewn ar hyn o bryd. Felly, nid ydynt yn gallu bodloni'r meini prawf a bennwyd yng nghyllid presennol y gronfa cadernid economaidd mewn perthynas â gostyngiad o 40 y cant mewn trosiant neu elw. Yna, mae rhai materion yn ymwneud ag ardrethi busnes rwy'n gobeithio y gallwch roi sylw iddynt. Rwy'n sylweddoli bod hyn yn gorgyffwrdd â gwaith eich cyd-Weinidog, y Gweinidog cyllid, ond mae llawer o fusnesau wedi'u heithrio, ac mae'n ymddangos i mi fod angen rhyw gymaint o dapro neu gymhwysiad ar gyfer hyn. Mae yna fusnesau, er enghraifft, gyda gwerth ardrethol o £12,500, sydd wedi'u heithrio, tra bo busnesau sydd â gwerth ardrethol o ychydig bach yn llai yn cael £10,000 o arian grant, ac mae busnesau yn y sector lletygarwch, er enghraifft, gyda gwerth ardrethol - . Rwy'n gwybod am un gyda gwerth ardrethol o £53,000 nad yw'n gallu cael unrhyw gyllid o gwbl, tra bydd busnes gyda gwerth ardrethol o tua £49,000 yn cael arian grant o £25,000. Felly, faint o dapro y gellid ei gyflwyno ym mentrau rhyddhad ardrethi busnes Llywodraeth Cymru yn y dyfodol? Hefyd ar ryddhad ardrethi busnes, rwy'n falch iawn fod Llywodraeth Cymru wedi trosglwyddo'r arian i awdurdodau lleol yn gyflym, ond yn anffodus, mae peth gwahaniaeth rhwng awdurdodau lleol o ran sut y maent yn darparu'r cyllid yn uniongyrchol i fusnesau. Mae rhai awdurdodau lleol yn gwneud yn dda, megis Cyngor Sir Powys yn fy ardal i, a drosglwyddodd yr arian yn gyflym iawn. Felly, rwy'n cymeradwyo hynny'n fawr. Ond mae rhai awdurdodau lleol yn methu trosglwyddo'r arian hwnnw, ac mae systemau eraill yn llawer mwy biwrocrataidd. Y sector twristiaeth - rwy'n gwybod iddo gael ei grybwyll yn gynharach heddiw. Gwelwyd dirywiad sylweddol yn y sector penodol hwn, a tybed pa gymorth pellach gan y Llywodraeth y gallwch gadarnhau y bydd yn cael ei gyflwyno i gefnogi'r sector penodol hwn. Yn amlwg, mae hynny'n hollbwysig. Hefyd, mae yna fusnesau sydd â throsiant tymhorol hefyd, yn enwedig rhai sydd angen dangos colled yn yr elw. Yn amlwg, ni fydd rhai yn gallu gwneud hynny oherwydd natur dymhorol hyn. Hefyd, gan dynnu at y terfyn, y cyfnod adfer. A allwch chi gadarnhau mai yn y cyfnod presennol yn unig y bydd y gronfa cadernid economaidd ar waith, neu a yw yno'n fwy hirdymor? Rwy'n cymryd mai yn y cyfnod presennol yn unig y bydd ar waith, ac y bydd y Llywodraeth yn cyflwyno pecyn arall mwy ar gyfer symud y tu hwnt i'r cyfnod presennol, a'n bod yn cael cymorth allan i helpu busnesau i newid eu modelau busnes, arloesi drwy dechnoleg, ac ati. Ac yn olaf, Banc Datblygu Cymru - rwy'n falch iawn eu bod wedi trosglwyddo benthyciadau yn gyflym i bobl. Mae'n newyddion da, efallai, i ryw raddau, fod llawer o fusnesau wedi cael cymorth. Ond wrth gwrs, mae'r cronfeydd wedi sychu, felly pa gyllid ychwanegol arall y gall Llywodraeth Cymru eu sicrhau o'i hadnoddau ei hun neu gyllid Llywodraeth y DU neu arian Ewropeaidd yn ogystal?