1.

CBA has serious work to do over compliance: Mathias Cormann

澳联邦银行卷进金融犯罪风波 将需要更大规模的调查

Finance Minister Mathias Cormann says the Commonwealth Bank has some “serious work to do”, following revelations that billions of dollars of the bank’s transactions in the US, Europe and Asia have not been properly monitored.

据《澳洲人报》报道，澳洲金融部长Mathias Cormann近日表示，澳洲联邦银行（Commonwealth Bank）有很多“事情”要处理了，因内部审查报告披露，联邦银行在全球范围内，包括美国，欧洲和亚洲，有数十亿澳元的业务没有履行正常监管职责，违反了反洗钱和反恐怖主义融资法规。

As Sky News Business Reporter Leo Shanahan revealed in The Australia n today, an internal review of the bank’s compliance with Australian and ­global anti-money laundering and counter-terrorism laws exposed large-scale failures in transaction monitoring across numerous businesses around the world.

Sky News的商业版记者Leo Shanahan表示，上周四他向《澳洲人报》公布的一份内部调查报告称，澳洲联邦银行在全球范围内的大规模交易中，对洗钱及恐怖主义融资交易没有尽到监管的责任。

Senator Cormann said these were the latest “very serious” allegations in a series of serious compliance issues and allegations that have emerged from the Commonwealth Bank for some time.

“In an Australian context we’re taking action,” Senator Cormann said.

He said that in an Australian context, regulatory action was underway, including an Australian Prudential Regulation Authority review into the governance culture and accountability frameworks and practices at the CBA, and ASIC investigation into whether CBA has complied with its continuous disclosure and licensing obligations, and AUSTRAC’s Federal Court pursuit of the CBA in relation to alleged anti money laundering provisions-related breaches.

参议员 Cormann 表示最新的指控是非常严重的。而在澳洲方面，监管工作正在进行。澳大利亚审慎监管局（APRA）对CBA的治理文化，以及问责制框架和实践进行审查。澳洲证券与投资委员会（ASIC）也对CBA高管是否履行有关披露金融报告义务进行调查。

 “This is now a further dimension and what it shows is that clearly the board and the management at CBA has got some serious work to do.”

Senator Cormann said the CBA situation could not be sugar-coated.

“This is a very serious issue and it goes to the heart, obviously, of the credibility of a very important financial institution in Australia, and that is why the government has welcomed the independent review initiated by APRA to look very closely at the governance culture and accountability frameworks and practices of the CBA,” he said.

澳洲方面已开始全面调查CBA，最开始是澳洲交易报告和分析中心（AUSTRAC）将CBA告上联邦法院，指控其有逾5.3万笔交易违反反洗钱和反恐怖主义融资法规。Cormann表示，CBA的金融犯罪风波对澳洲财政机构的诚信打击非常大，所以政府非常鼓励APRA对CBA的独立调查。

He said that while Australia had a very comprehensive regulatory response in place, what other regulators and other parts of the world might or might not decide to do in relation to this is a matter for them.

The Commonwealth Bank has released a statement saying it maintains proactive relationships with all relevant global regulators and has spent more than $230 million on strengthening policies and processes related to financial crimes compliance.

Cormann议员表示，虽然澳洲方面已经采取行动，但是目前尚不知道在美国，欧洲和亚洲受影响的国家，是否会对澳洲联邦银行展开调查。澳洲联邦银行发布的一份声明中表示，其对全球的监管机构都保持积极配合的态度，且已花费超过2.3亿澳元用于加强反金融犯罪的政策制定和实施。

2.

Banks shouldn’t underestimate the risk of concentration in the Australian housing market

澳洲银行不应该低估房地产市场的资金集中风险

The view of Australian banks on the risk that mortgage stress poses to our economy and the banks’ own viability is worrying. Shayne Elliott, CEO of ANZ Bank commented in last week’s Four Corners report:

“The reality is that housing loans are pretty good because they’re quite diverse in terms of lots of relatively small loans across ah, across the country.”

不知道大家对美国的“次贷危机”有没有印象？当一众贷款者无力还债的时候，整个社会的资金链就会断掉，然后拖垮国家经济。澳洲银行的贷款危机对经济可能会产生难以估计的影响，引起了多方面的担忧。

澳新银行的CEO Shayne Elliott在上周表示，目前澳洲的房贷并不是很集中，种类也很多样，完全没有必要担心澳洲会爆发贷款危机。

This view is in contradiction to research from the United States which finds housing markets there are less diversified than previously thought. Australian housing markets are likely to be even more concentrated than in the US because of the population size of Sydney and Melbourne.

This means any house price shocks will likely occur simultaneously across the country, causing large cumulative losses to borrowers and banks via mortgage defaults.

然而，根据澳大利亚审慎监管局（Australian Prudential Regulation Authority）的调查，事实并不是如此。因为澳洲的人口比较集中，尤其在悉尼、墨尔本这样的大城市，居民们申请的贷款种类几乎一致，没有太大的差别。一旦房地产市场崩溃，或是房价有大幅度的变动，对银行都会造成很大的影响！

Banking regulator the Australian Prudential Regulation Authority (APRA) has already issued guidelines to the banks on tracking exposure to mortgages and limiting the growth of loans to investors, in particular for interest-only loans.

An independent review by Stephen Sedgewick on behalf of the industry also recommended banks stop paying mortgage brokers based on the volume of loans they secure, in an effort to reduce risks. But these steps might not be enough to ensure security.

除此之外，澳洲银行提供的贷款利率分为固定利率（fixed rate）和浮动利率（variable rate），且固定利率可以维持的期限只有5年。贷款者随时要面对利率浮动带来的还款压力，而这种压力又会转嫁到银行身上。

前公务员Stephen Sedgewick 建议，为了减低风险，银行应该停止根据担保贷款来发放贷款给房贷经纪人。另一方面，相关部门也要和各大银行通力合作，实施各类宏观调控手段，将贷款危机扼杀在萌芽状态。

3.

To Save $3.6b, More Than 375,000 Must Work Longer

为了节省36亿的养老金开支，澳退休年龄将逐步延长至70岁，超过 37.5万人受影响！

NEW figures have revealed that to save the government its trumpeted $3.6 billion in aged pension payments, more than 375,000 Australians now in their late 50s and looking forward to retirement will have to work longer under a plan to lift the pensions age to 70.

据《每日电讯报》报道，新数据显示，为了在养老金方面减少政府公布的36亿澳元的支出，澳洲政府正计划将退休年龄提高到70岁。在新的计划之下，超过37.5万澳洲人受影响，需要工作到70岁才能退休。

The unpopular budget repair measure to put the pension age up to 70 was announced in 2014 and remains on the federal Government’s books despite the Coalition walking away from most of the “zombie measures” unveiled in the first Abbott-Hockey budget.

Under the plan, the pension age will gradually increase by six-month increments from 67 years to 70 every two years over the decade starting in 2025.

澳联邦政府希望用将退休年龄提高到70岁这 方式来弥补财政缺口，这一措施在2014年已经提出，一直列在联邦政府的议程表中。根据这项计划，从2025年开始，在10年内，通过每2年将退休年龄往后延长6个月的方式，逐渐将退休年龄从67岁延长到70岁。

The Department of Social Service has released new data on the pension change, which shows just how the federal government will save its anticipated $3.6b over the first four years.

About 51,300 retirees will be affected in the first year of the policy in 2025-2026.

That number will increase to nearly 68,000 the following year and a total of 375,000 will be affected by the new age requirements in those first four years.

Social Services Minister Christian Porter reaffirmed the commitment to increase the pension age, saying it was one of the biggest expenditure items in the federal budget, costing $43.1 billion in 2015-16.

澳洲社会服务部已经发布了养老金变化的新数据，新数据显示政府在头4年将如何节省下预期的36亿澳元，共有37.5万人在新政实施的前4年将受到新退休政策的影响。澳社会服务部部长Christian Porter再度确认退休年龄将增加，并表示养老金支出是联邦预算中支出最大的项目之一，在2015年到2016年间支出了431亿澳元。

He said Australians are healthier and living longer than ever before and the government needed to ensure the pension system was sustainable.

“As we live longer and are healthier, it’s reasonable to expect more people will want to remain active through work,” he said.

Porter表示，澳人比起以往，身体素质更好，活得更久，政府需要确保养老金系统的可持续性。他说，“因为我们比以往寿命更长，更健康，所以要求更多人继续工作保持活力，这也是正常的。”

Council on the Ageing chairman Ian Yates said he was not opposed to the change as long as it is accompanied by an increase in Rental Assistance and Newstart Allowance payments as well as more incentives to help older Australians stay in the workforce.

“Age discrimination is real,” Mr Yates said.

“Keeping older people in the workforce is the key and while the government has started to tackle this they need to ramp up their efforts.”

澳洲老年委员会主席Ian Yates 说，只要租赁补助、工作津贴补助还有其他的更多的福利也一并出台，帮助上了年纪的澳人，那他就不会反对这项新政。Yates说，年龄歧视是确实存在的。让老年人继续工作是关键问题，政府处理这一问题时，还应考虑周全。

Mr Yates also warned the Government against changing the eligibility for the Disability Support Pension saying older Australians that are under the new pension age need a safety net if they are no longer able to work due to poor health or disability.

Yates同时反对政府改变残疾人养老补助金的申领资格的做法，他认为还没有达到新政规定的退休年龄，但已经上了年纪的人们，如果因残障或健康受损无法继续工作时，需要有安全保障。

Labor’s social services spokeswoman Jenny Macklin said increasing the pension age to 70 was not only unfair, it will worsen inequality.

“Australians currently in their 50s who are planning for their retirement now will be stung by this change,” she said.

“The median age at death for people living in remote Australia is 73.8 compared to 82.3 for Australians living in major cities.”

“This change to the pension age unfairly hurts Australians living in regional and remote Australia where life expectancy is lower.”

工党社会服务部的部长Jenny Macklin说，政府延长退休年龄到70岁，不但不公平，而且还会加剧社会的不平等。她认为不同地区人们预期寿命的差异也导致了退休年龄上不公平，这对那些居住在偏远地区，预期寿命不够长的人来说也是一种严重的伤害，“那些现在正处于50多岁，计划着退休生活的澳大利亚人，现在要被这项新政策深深打击了，特别是一些比较偏远的地方人们，他们平均寿命是73.8岁。而在城市居民的平均寿命是82.3岁。

转载声明：本文中文字，图片均来自网络，由小编整理。

参考网站：DailyTelegraph，Domain.com，TheAustralian，今日悉尼