廢強積金為經濟注活水

如 何 挽 救 香 港 的 經 濟 ， 民 間 意 見 紛 紜 ， 政 府 卻 舉 棋 不 定 ， 因 為 任 何 一 項 新 的 政 策 都 可 能 有 得 益 者 和 受 害 者 ， 在 香 港 目 前 的 社 會 氣 氛 下 ， 受 害 者 不 難 找 到 傳 媒 及 政 黨 起 閧 ， 結 果 政 府 又 成 眾 矢 之 的 ， 新 措 施 換 來 的 可 能 只 是 政 府 道 歉 、 局 長 辭 職 ， 以 至 很 多 該 在 經 濟 不 景 時 推 出 的 政 策 ， 政 府 都 久 久 未 見 行 動 。 我 倒 有 一 項 建 議 ， 推 行 起 來 一 定 獲 益 者 眾 ， 受 損 者 少 ， 雖 一 樣 會 引 致 傳 媒 及 政 黨 的 批 評 ， 但 由 於 措 施 會 得 到 群 眾 支 持 ， 政 黨 與 傳 媒 也 鬧 不 出 甚 麼 花 樣 。 這 個 建 議 就 是 把 強 積 金 法 例 中 的 強 制 成 分 抽 走 ， 僱 主 或 僱 員 中 任 何 一 方 不 想 供 就 可 以 不 供 ， 必 然 皆 大 歡 喜 。 
香 港 是 自 由 社 會 ， 任 何 強 制 性 的 法 例 都 是 違 背 自 由 原 則 的 ， 因 為 它 不 是 說 你 不 可 做 甚 麼 ， 而 是 你 非 做 甚 麼 不 可 。 前 者 是 你 只 要 不 做 甚 麼 ， 甚 至 是 未 被 發 現 做 甚 麼 就 沒 有 問 題 ； 但 後 者 是 強 行 要 你 做 指 定 動 作 ， 那 種 受 到 壓 迫 失 去 自 由 的 感 覺 就 更 為 強 烈 。 
我 相 信 如 果 讓 港 人 自 行 選 擇 ， 大 部 分 都 選 擇 不 供 。 在 目 前 的 經 濟 環 境 下 ， 大 部 分 僱 主 已 經 營 得 相 當 困 難 ， 很 多 連 生 存 也 有 問 題 ， 如 果 可 以 不 供 強 積 金 ， 公 司 就 多 了 一 筆 資 源 可 以 運 用 ， 有 些 公 司 可 能 因 此 而 逃 過 倒 閉 的 命 運 ， 這 對 防 止 失 業 率 惡 化 應 有 幫 助 。 
於 僱 員 而 言 ， 近 年 薪 金 多 已 減 了 ， 如 果 家 庭 中 有 成 員 失 業 的 話 ， 可 能 已 經 入 不 敷 支 ， 能 有 5%的 工 資 作 自 由 運 用 ， 一 定 會 被 視 作 久 旱 甘 露 ， 怎 不 高 興 ！ 目 前 零 售 業 經 營 困 難 ， 如 果 社 會 上 突 然 間 有 一 大 筆 被 困 死 的 資 金 可 以 放 生 ， 一 定 得 益 不 少 ， 這 對 扭 轉 香 港 的 通 縮 環 境 將 大 有 幫 助 。 B4版 
有 人 會 擔 心 ： 「 不 搞 強 制 性 退 休 計 劃 ， 將 來 的 老 人 問 題 怎 樣 解 決 ？ 」 我 的 理 念 是 人 是 會 為 將 來 打 算 的 動 物 ， 人 類 能 夠 進 化 到 今 天 這 麼 先 進 ， 靠 的 就 是 懂 得 遏 抑 眼 前 快 樂 去 為 將 來 作 打 算 的 能 力 。 回 顧 歷 史 的 發 展 ， 人 類 在 沒 有 強 積 金 制 度 下 ， 老 年 人 的 生 活 都 在 不 斷 得 到 改 善 ， 人 可 以 活 著 的 年 齡 不 斷 增 長 就 是 一 個 最 好 的 證 明 。 
因 此 ， 不 設 強 積 金 ， 大 多 數 人 都 會 自 行 安 排 ， 反 而 如 果 有 政 府 為 他 們 安 排 ， 他 們 就 會 把 責 任 推 卸 給 政 府 ， 養 成 依 賴 的 習 慣 ， 把 我 們 祖 先 傳 給 我 們 最 寶 貴 的 能 力 也 荒 廢 了 ， 真 是 後 患 無 窮 。 
至 於 少 數 不 懂 為 自 己 打 算 的 人 ， 政 府 才 用 公 帑 去 施 以 援 手 ， 但 只 能 提 供 溫 飽 的 生 活 ， 而 不 是 代 為 他 們 謀 幸 福 。 對 於 這 些 人 來 說 ， 晚 景 仍 是 相 對 堪 虞 ， 生 活 會 過 得 不 及 有 打 算 的 人 那 樣 體 面 。 這 是 他 們 之 前 沒 作 打 算 的 後 果 。 後 果 教 育 法 是 世 上 最 有 效 的 教 育 方 法 ， 是 上 天 安 排 的 方 法 ， 沒 有 後 果 的 懲 罰 ， 人 不 會 有 警 惕 作 用 ， 並 且 對 早 作 打 算 的 人 不 公 平 。 因 此 ， 如 果 我 們 反 對 政 府 干 預 市 場 的 話 ， 更 應 該 反 對 政 府 干 預 我 們 的 生 活 。 
廢 除 強 積 金 ， 唯 一 的 受 損 者 是 那 些 千 辛 萬 苦 去 搶 強 積 金 生 意 來 做 的 銀 行 及 保 險 公 司 ， 但 實 際 上 他 們 的 損 失 也 不 大 ， 因 為 當 時 搶 得 太 激 烈 ， 開 出 的 條 件 太 優 惠 ， 公 司 已 差 不 多 無 利 可 圖 ， 變 成 一 種 包 袱 ， 現 在 可 以 不 做 ， 反 可 從 新 與 有 興 趣 的 客 戶 重 新 談 判 ， 另 訂 更 合 理 的 條 件 。 此 之 所 以 廢 強 積 金 應 是 當 前 最 受 歡 迎 的 救 市 措 施 。 
  
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