SPEECH BY ROY NGERNG AT “RETURN OUR CPF EVENT” IN HONG LIM PARK

鄞义林7/6/2014在芳林公园‘要求归还我的公积金’集会上的讲话中文翻译稿

I gave a speech at the #ReturnOurCPF event last Saturday to demand for transparency and accountability on the management of Singaporeans’ CPF. Someone had translated the speech into Chinese. If anyone could translate the speech into Malay and Tamil, do let me know! Thank you!

今天新加坡正处于十字路口

Singapore at a Crossroads Today

新加坡已经到了一个漫长的历史的国家了。今天我们已经来到了十字路口。我们的祖国是否能够继续成长的同时，我们的人民会被关心、保护和获得自由。

Singapore has come a long way in our country’s history. Today, we are at a crossroads. How can our country continue to grow while our people will be taken care of, protected and be free.

作为一个新加坡公民我们关心自己的国家。作为一个新加坡人，我们与这个国家有着厉害相关的关系！这是我们与生俱来的权利！我们有的责任发出呼声！我们的提出能够为我们的祖国、为我们自己的生活，也是为了我们的同胞更好的创造性的意见！

As citizens who care for our country, as Singaporeans who have a stake in our country, it is our birthright, and it is our responsibility to speak up, and voice out so that we can create solutions for our country and better not only our lives, but that of our fellowmen.

经过了50年了。新加坡或者已经成为世界第一级经济体的国家和拥有世界第一级的消费的国家。但是，新加坡是否拥有一个世界第一级的政府？新加坡人民是否拥有第一级世界的生活水平？今天，许多新加坡人还在为自己的生活在挣扎着！当新加坡已经成为世界上生活消费最昂贵的地方时，新加坡人是世界上高收入国家中赚取最低的薪金的国家。新加坡人挣扎着赚取收入，但是他们还是担忧无法应付开支。

After nearly 50 years, Singapore might have a First World economy and we have First World costs. But do we have a First World government? Do we have First World lives? Today, many Singaporeans struggle with our lives, earning the lowest wages among the high-income countries even as Singapore has become the most expensive place to live in the world. Singaporeans struggle to make ends meet and fear that we do not have enough to use.

这是不应该发生的事。这不应该是今天的新加坡！因为今天新加坡已经成为世界上最富裕的国家之一。我们国家的政治领袖们是世界上领取最高薪金的国家。这种政治领袖过着舒适的生活，而老百姓却为了每天的生计而挣扎的不协调的情况不应在新加坡发生！

But this shouldn’t happen. This shouldn’t be where Singapore is today, not when Singapore is now one of the richest countries in the world, where our politicians are the highest paid in the world. This disparity shouldn’t happen where our politicians are able to enjoy their lives while the common Singaporean struggle everyday for our own lives.

“如果你对待我们好，我们将会更加倍的回报你们”

“If Your Treat Us Well, We Will Treat You Even Better”

不！我们不是妒忌！我们不要太多因为我们是妒忌。新加坡人民的头脑是冷静的。假设我们能够信任你，我们新加坡人能够团结在一起并且与你一起共同面对各种艰苦的情况。
一个新加坡人告诉我，‘就新加坡人而言，只要你对待我们好，我们会更加倍的回报你’。我们有着正直的品质。我们信仰正义。我们信仰平等。

No, we are not envious. We do not want more because we are envious. Singaporeans are a cool-headed people. We are people who will stick together through thick and thin with you, if we know that we can trust you. A Singaporean told me, “For us Singaporeans, if you treat us well, we will treat you even better”. We have integrity. We believe in justice. We believe in fairness.

但是，一旦你背叛了我们的信任，我们将会不会退缩！我们不会屈服就范！

But when you betray our trust, we will not hold back and we will not take kindly to it.

一个政府是必须保护自己的人民的。一个政府必须首先把人民的利益放在第一位！他们必须制定许多照顾人民利益的政策！同时，他们必须确保人民会感觉到在这个国家是安全的。一个政府有责任虚心的听取人民的意见！政府与人民一道努力实现人民的要求。这就是作为一个政府必须做的事。

A government should protect its citizens. A government should put its citizens first and create policies to take care of its people and make sure that we can feel safe in our own country. A government has a responsibility, to listen to its people, to be humble and to work with its people to execute our demands. This is what a government should be doing.

当新加坡人民在谈论公积金的问题时，我们提出了我们关心的诉求时！这是政府的责任必须听取人民的声音！

When Singaporeans talk about the CPF, when we raise our concerns, it is the responsibility of the government to listen.

为什么新加坡人民必须将自己的房子卖掉？因为新加坡人民没有足够的能力过退休生活！

Why do Singaporeans have to sell our homes just because we do not have enough to retire on?

为什么新加坡必须将自己的房子卖掉？因为新加坡没有能够支付他们的医药费账单！

Why do Singaporeans have to sell our homes because we do not have enough to pay for our hospital bills?

为什么年长的新加坡人必须继续工作？因为他们的经济户头没有足够的退休金让他们退休！

Why do our elderly Singaporeans continue to have to work because our CPF is not good enough for us to retire on?

如果公积金不是完美的，那么，我们还可以继续相信政府能够管好我们的公积金吗？

If the CPF is not good enough, then can we still trust the government to take care of our CPF?

今天，我们的爷爷奶奶必须去当清洁人、散工性质的劳务工人和捡废纸皮箱的拾荒者，那是因为他们没有足够的钱过退休生活。20年前，他们收入是800元。今天他们的收入仍然是800元。我们的爷爷奶奶无法退休是不是因为他们工作不够勤劳？或者是他们没有获得足够与工作条件同等的薪金待遇？

Today, our grandmothers and grandfathers have to work as cleaners, odd-job labourers and cardboard collectors because they do not have enough to retire on. 20 years ago, they earned $800. Today, they still earn $800. If they cannot retire, is it because they did not work hard enough? Or were they not paid well enough?

上个星期，一位新加坡人告诉我，‘政府制造了要我去乞求他们的条件！但是，我也是有尊严的。我有我的自尊心！假设我一直乞求他们，但是，他们没法帮忙我。那么，为什么我还要一直乞求他们干嘛？’

Last week, a Singaporean told me, “The government makes me beg them to help me. But I also have my dignity. I also have my pride. If I keep begging and they still do not help me, why should I keep begging?”

我们的人民仍然穷困是不是因为他们不够勤劳的工作？

Do our poor remain poor because they do not work hard enough?

难道新加坡人相信，低薄的收入是因为自己的工作条件不够吗？或者，我们不够精巧？或者不够勤劳，所以必须继续穷困？

Is it right for our lower-income Singaporeans to believe that they should remain poor because they are not good enough? Or not smart enough? Or that they did not work hard enough?

不是！这是绝对不正确的！

No, it is not right.

我们的穷人和我们的年长工人在新加坡工作时间都是最长的！假设这样的长工作时间还不是勤劳工作！那是什么才是叫勤劳呢？

Our poor and our elderly workers work the longest hours in Singapore. If that is not hardworking, then what is?

我们新加坡人是勤劳的人民。为了自己的祖国、自己的家人、自己的孩子，为了让自己有一个更好的生活，我们新加坡人都会勤劳的工作。尽管我们是这么勤劳的工作，但是，我们看到的是：我们的勤劳工作却被人当成是理所当然的！这就让我们产生了了疑问：我们的政府是真心真意的关心和保护我们的利益吗？我们是否还要对一个不关心我们的利益、一个不保护我们的利益的政府表达自己对他们的忠诚吗？

Singaporeans are a hardworking people. We will work hard if we know that for the sake of our country, our family and our children, we will have better lives. We will do it. But when we work so hard but we realise that our hard work is being taken for granted, then how can we still have faith that our government has our interests at heart and will protect us?

今天很多新加坡人无法退休。今天新加坡人很勤劳的工作，但是，他们看不到自己在公积金的户头存款增加。今天，新加坡人顾虑自己在新加坡是否有安全感？

Today, many Singaporeans cannot retire. Today, Singaporeans work very hard but we cannot see our CPF grow. Today, we fear that we might never be able to feel safe in our own country.

新加坡人民要求一个透明化和值得信赖的公积金管理制度

Singaporeans Demand Transparency and Accountability On Our CPF

现在。我们已经知道一个事实：那就是政府拿我们在公积金户头的钱投资在新加坡政府的政联公司新加坡政府投资有限公司。政府拿我们在公积金户头的钱去赚取每年6.5%的利润，但是，政府每年支付给我们在公积金的户头的利息是每年2.5%到4%。这是世界上最低的利息。在1970年和1980年，新加坡人的公积金户头赚取的利息是6.5%。

It is now a known fact that the government takes our CPF to invest in the GIC, the government’s investment firm. The government takes our CPF to earn 6.5% but only gives back to us a low 2.5% to 4% interest on our CPF. This is the lowest interest rates in the world.

为什么政府要在1999年把我们在公积金的户头的利息降低到2.5%？

In the 1970s and 1980s, Singaporeans were earning a 6.5% interest on our CPF. Why did the government push it down to 2.5% in 1999?

新加坡人今天无法过退休生活，那是因为我们在公积金的户头的存款无法增加。我们的薪金没有提高，所以，我们就无法增加在公积金户头里的存款。但是，各种物价都在上涨。房价上涨和和公积金的最低存款额提高。为什么政府要提高公积金的最低存款额超过6%？因为他们知道，我们是无法在快速的时间内达到他们规定的最低存款额的要求！

Singaporeans cannot retire today because our CPF cannot grow. Our wages did not grow, so our CPF did not grow. But prices grew, housing prices grew and the CPF Minimum Sum grew. Why would the government increase the CPF Minimum Sum by more than 6%, knowing full well that our CPF will never be able to grow fast enough to meet the CPF Minimum Sum?

接下来的问题是：政府到底在我们的公积金户头干了什么？

Then, what is the government trying to do with our CPF?

(1) 新加坡人民要求新加坡政府投资有限公司的管理制度透明化

(1) SINGAPOREANS DEMAND TRANSPARENCY FROM THE GIC

在新加坡政府投资有限公司的网站上，他们以前说明事实：‘新加坡政府投资有限公司是负责管理新加坡政府的国家储备金的。但是为什么公积金会进入国家储备的笼子里？后来，公积金就成了金融管理局、或者是新加坡政府投资有限公司、或者是淡马锡控股管理了！对我们而言，这是含糊的！’

On the GIC’s website, they had previously said that, “GIC manages the Government’s reserves, but as to how the funds from CPF monies flow into reserves which could then be managed by either MAS, GIC or Temasek, this is not made explicit to us.”

他们同时也说，‘政府代表财政部与新加坡政府投资有限公司的往来关系。不论是直接或间接的干预新加坡政府投资有限公司的投资决定。新加坡政府承担了新加坡政府投资有限公司董事会全面的投资决策的责任。’

They had also said that, “The Government, which is represented by the Ministry of Finance in its dealings with GIC, neither directs nor interferes in the company’s investment decisions. It holds the board accountable for the overall portfolio performance.”

就在这样的说辞下，新加坡政府投资有限公司说，他们不知道新加坡政府投资有限公司是动用了我们的公积金的钱去进行投资！他们说，政府并没有干预新加坡政府投资有限公司的运作。

So, the GIC claimed that they do not know how they use our CPF to invest and they claimed that the government does not interfere in the GIC.

但是，当我查阅了新加坡政府投资的董事部成员名单时，董事会主席是新加坡总理李显龙。他们的董事是2位副总理，善达曼和张志贤、教育部长王瑞杰和贸工部长林勋强。新加坡政府投资有限公司的高级顾问是李光耀。

But when you look at the GIC’s Board of Directors, their Chairman is the Singapore Prime Minister Lee Hsien Loong. Their directors the two deputy prime ministers Tharman Shanmugaratnam and Teo Chee Hean, the Minister for Education Heng Swee Keat and the Minister for Trade & Industry Lim Hng Kiang. Their Senior Advisor is Lee Kuan Yew.

大家说，新加坡政府投资有限公司说，他们不知道是动用了我们的公积金？他们说，政府并没有干预新加坡政府投资有限公司的运作？

So, how can it be possible that the GIC does not know how they are using our CPF? How can it be possible that the government does not interfere in the GIC?

接下来，我们要提出的疑问的问题是：谁能告诉我们事实？是新加坡政府投资有限公司没有告诉我们实际的事实情况呢？还是，新加坡政府没有告诉我们实际的事实情况？

Then who is not telling Singaporeans the truth? Is the GIC not telling the truth? Or is the government not telling the truth?

在这个事实被揭穿后，新加坡政府投资有限公司更改了他们在自己网页上的说明。现在，他们说，‘新加坡政府投资有限公司是与金融管理局共同管理证券发行和新加坡政府为此做出的担保行为，那是因为公积金局董事部已经动用了公积金进行相关的投资。公积金的资金并没有直接转入新加坡政府投资有限公司户头由他们管理。其中的一个资金来源是进入了新加坡政府的资产，并由新加坡政府投资有限公司进行管理。这是从新加坡政府证券那儿发出的。’

After this fact has been exposed, the GIC changed what they write on their website. Now, it says, “GIC, along with MAS, manage the proceeds from the securities issued and guaranteed by the government (SSGS) which CPF board has invested in with the CPF monies. So while the CPF monies are not directly transferred to GIC for management, one of the sources of funds that goes into the Government’s assets managed by GIC is the proceeds from SSGS.”

新加坡政府投资有限公司说了什么？他们说，公积金局投资在新加坡政府的证券上是属于新加坡政府的资产，这个资产是由新加坡政府投资有限公司负责管理的，简单的说，我们的公积金是由新加坡政府投资有限公司进行管理。

What the GIC is saying is that our CPF is invested in government securities which goes into the Government’s assets managed by the GIC. In short, our CPF is managed by the GIC.

长期以来， 我们并不知道公积金是投资在新加坡政府投资有限公司上。突然间，新加坡政府投资有限公司和新加坡政府才知道公积金是被用来投资在新加坡政府投资有限公司？

So, from not knowing how our CPF is being invested in the GIC, suddenly, the GIC and the government knows that how CPF is being invested in the GIC?

为什么新加坡政府投资有限公司要突然间改变他们的说法？同时承认他们知道他们是在利用公积金进行投资？为什么新加坡政府投资有限公司要进行这个转弯？为什么在事实被公开揭露后新加坡政府投资有限公司要改变自己先前的说法呢？

Why did the GIC suddenly change what they say and suddenly admit that they know how they are using our CPF? Why did the GIC make this about turn? Why did the GIC change what they say after this information became public?

那么，为什么新加坡政府投资有限公司在一开始告诉我们他们不知道是使用了我们的公积金，现在却说他们是使用了我们的公积金？

So, why did the GIC first tell us that they do not know how they our using our CPF, then suddenly tell us that they do?

在这样的时刻，新加坡总理、2位副总理和部长都是新加坡政府投资有限公司的董事部和我们的政府内阁。他们现在玩什么把戏？

All this while, the Singapore prime minister, the two deputy prime ministers and the ministers are on the board of directors on the GIC and are our government. Now, what game are they playing?

问题不仅仅是公积金基金由新加坡政府投资有限公司进行管理，同时，还得支付他们一笔‘管理费’？这笔管理费是不透明化的。我们不知道是多少？

Not only that, the fund managers at the GIC are also “paid a fee” to manage the funds. How much is this “fee”? There is no transparency as to how much this is.

目前新加坡的纳税人已经支付数百万元给这些部长们的薪金。那么，作为基金管理管理，我们的公积金又的支付给他们多少钱去管理这笔资金呢？

Now, the ministers are currently paid millions from our taxpayers money. How much more are they paid as fund managers from our CPF monies?

当新加坡人民无法取回自己在公积金户头的钱的情况下，却能支付给政府部长们数百万元的薪金！这到底合乎逻辑吗？

Does it make sense that the ministers are paid millions when Singaporeans are unable to take our CPF out?

我们要问的问题是：

What we should ask is this

新加坡总理是否应该成为新加坡政府投资有限公司的董事部成员？

– should the prime minister of Singapore be on the board of directors of the GIC?

新加坡的副总理和部长们是否应该成为新加坡政府投资有限公司的董事部成员？

Should the deputy prime ministers and the ministers be on the board of directors on the GIC?

这到底会产生利益上的冲突吗？

Is there a conflict of interest?

如果政府也是新加坡政府投资有限公司的股东，那谁来确保我们的公积金的投资安全？是谁提取了我们在公积金户头里额钱？

Who will protect our CPF money if the government is also the GIC, which wants to make money out of CPF?

新加坡政府投资有限公司并没有的报告说明他们如何使用我们的公积金？

The GIC does not publish full reports on how they use our funds.

我们是否知道总理、副总理和部长们在动用我们的公积金吗？他们如何使用我们的公积金？

Do we know what the prime minister, deputy prime minister and the ministers are using our funds for? Do we know how they are using it?

(2) 新加坡人民要求淡马锡控股给予一个透明和可信赖的管理制度

(2) SINGAPOREANS DEMAND TRANSPARENCY AND ACCOUNTABILITY FROM TEMASEK HOLDINGS

几天前，淡马锡控股写信告诉新加坡海峡时报说，‘淡马锡并没有使用公积金会员的户头的钱进行投资或管理投资公积金的资金’。

A few days ago, Temasek Holdings wrote to The Straits Times to say that, “Temasek does not invest or manage the savings of CPF members”.

当时，一本书名叫《国家发展：关联、人事或重组》（ Development States: Relevancy, Redundancy Or Reconfiguration）说了如下一段话：
‘从1970年末开始，公积金的储备金是公共部门的盈余。这笔资金已经成为淡马锡控股在国内的混合投资或是新加坡政府投资有限公司在国外的混合投资的资金。’

But in the book, Development States: Relevancy, Redundancy Or Reconfiguration, it was stated that “since the late 1970s, CPF’s reserves as part of public sector surplus have been co-mingled with other investments either domestically by Temasek Holding Ltd or abroad by the GIC”.

如果这是事实，那现在问题就来了。我们的公积金是已经投资在淡马锡控股了吗？

If so, does this mean that at one point in time, our CPF was invested in the Temasek Holdings?

如果这是事实，政府什么时候停止动用我们的公积金投资在淡马锡控股？去年？几年前？10 年前？政府是否可以公开这些情况给我们知道？

If so, when did the government stop investing our CPF in the Temasek Holdings? Last year? A few years ago? 10 years ago? Can the government be transparent with us?

淡马锡控股赚取了16%的利润。假设我们的公积金是投资在淡马锡控股，那么，我们要求拿回我们的利润！

Temasek Holdings earn a 16% interest. If our CPF was invested in the Temasek Holdings, then we should get our interest back.

(3) 新加坡人民要求淡马锡控股给予一个透明性和可信赖性的管理制度

(3) SINGAPOREANS DEMAND TRANSPARENCY AND ACCOUNTABILITY FROM THE GOVERNMENT

去年，我到几个政府的网站浏览。我找到了特别的证据证明我们的公积金是如何被动用来投资在新加坡政府投资有限公司和淡马锡控股的。我在几个政府网上收集到了资料数据。我可以追踪到‘公积金的钱是投资的债券上’；或者‘新加坡政府的特别证券’。这些后来就当成是‘投资在储备金’上！同时。这笔资金由‘三家代理公司进行管理——新加坡政府投资有限公司、淡马锡控股和新加坡金融管理局

Last year, I had also looked through several government websites and found specific evidence of how our CPF is invested in the GIC and the Temasek Holdings. From what I had gathered from several government websites, I was able to trace that our “CPF monies are invested in bonds” or “Special Singapore Government Securities”, which are then “invested in reserves”, and which are “managed by three agencies – the GIC, Temasek Holdings and the Monetary Authority of Singapore.”

无论如何，我在上个星期再去浏览这些网站时，政府已经删除或更改了一些在这些网站有关的说明。现在你再也无法看到公积金是被用来投资在新加坡政府投资有限公司和淡马锡控股。

However, last week, when I checked on these websites again, the government has removed or changed some of the information from their websites. Now, you can no longer tell that our CPF is being invested in the GIC and Temasek Holdings.

这2项被更换的主要证据是：

The two specific evidence that have been changed are these.

1. 政府已经删除了有关‘公积金是投资在储备金’的信息；

First, the government removed information that our CPF is invested “in reserves”.

2. 政府已经删除了有关有新加坡政府投资有限公司、淡马锡控股和新加坡金融管理局管理这笔储备金的信息。

Next, the government removed information that shows directly that the reserves are managed by the GIC, Temasek Holdings and the Monetary Authority of Singapore.

为什么政府要这么做？

Why did the government do this?

为什么政府不让新加坡人民知道我们的公积金是投资在储备金上面？

Why does the government not want Singaporeans to know that our CPF is invested in the reserves?

为什么政府不让新加坡人民知道新加坡政府投资有限公司和淡马锡控股动用了我们的公积金？

Why does the government not want Singaporeans to know that our CPF is being invested in the GIC and Temasek Holdings?

政府在尝试隐瞒什么？

What is the government trying to hide?

(4) 新加坡人民要求新加坡投资有限公司和淡马锡控股提供全面运作的报告。

(4) SINGAPOREANS DEMAND FULL RECORDS FROM THE GIC AND TEMASEK HOLDINGS

在1993年。终于前总统王鼎昌为了要履行自己作为民选的总统的职责——保护国家储备金。他要求政府让他知道国家储备金的结存。结果是，政府告诉他必须耗费56个年人的时间去计算才可以让他知道。

Finally, in 1993, President Ong Teng Cheong wanted to fulfill his responsibilities as our elected President to protect the reserves. He asked the government to let him know how much there are in the reserves. However, the government told him that it would take 56-man years to count and let him know.

但是，现在我们知道了。这些储备是由新加坡政府投资有限公司、淡马锡控股和新加坡金融管理局共同负责管理。假设是这样，新加坡政府投资有限公司、淡马锡和新加坡金融必须保有全部完整的记录。这就是我们期望一个有效和正直的政府。所以，怎么可能需要耗费56个年人的时间去计算我们还有多少储备金的余额？

But now, we know that the reserves are managed by the GIC, Temasek Holdings and the MAS. If so, the GIC, Temasek Holdings and the MAS would have kept full and proper records. This is what we expect of an efficient and upright government. So, how can it be possible that it would take 56-man years for them to count how much there are in the reserves?

好了。我们假设新加坡政府投资有限公司、淡马锡和新加坡金融没有妥当的保管这些记录。那么，我们的另一个问题是:如果他们未能妥当的保存记录，那么，他们是否能够妥当的管理着我们的公共资金。我们能够相信他们能够管理我们的公共资金吗？

Now, if the GIC, Temasek Holdings and the MAS are not keeping proper records, then we have to question if they are handling our public funds properly. Can we trust them with our public funds if they do not keep proper records of our money?

假设他们是妥当的保存有关的记录。那么，为什么政府要告诉王鼎昌总统有关储备金的盈余结存需要耗费56个年人的时间去计算后，他才能够知道吗？

But if they do keep proper records, then why did the government tell President Ong Teng Cheong that it would take 56-man years to let him know how much there are in the reserves?

身为总统的王鼎昌为了保护我们的钱，这是新加坡人民的钱，他都无法获得被告知！我们老百姓的钱被动用到哪儿？那还有谁能够知道？

President Ong Teng Cheong had wanted to protect our money, the money of Singaporeans. And if President Ong Teng Cheong is not even allowed to know how our money is being used, then who else is?

接下的问题就是：谁有能力保护我们的钱？

Then, who will be able to protect our money?

现在的情况是不透明的！

Now, there is no transparency.

当不存在着透明的情况下，是否会有正直的情况产生？

When there is no transparency, will there be honesty?

如果没有透明性，那是否会有正义？

When there is no transparency, will there be justice?

当没有透明性，是否会存在可信赖性？

When there is no transparency, will there be accountability?

当没有可信赖性，我们怎能知道我们的公积金的命运如何？

When there is no accountability, who knows what is happening to our CPF?

为什么新加坡人民无法退休？
When Singaporeans cannot retire, why?

为什么我们不能够提取我们的公积金？

Why Singaporeans cannot take out our CPF, why?

什么原因造成了我们的公积金被困在户头里无法被提取？

Why our CPF is trapped inside, why?

当不存在透明性时，是否还有正直性？

When there is no transparency, will there be honesty?

在此，我要再一次问政府，

So I ask again,

新加坡政府投资有限公司和淡马锡控股是否动用我们的公积金存款？