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從07年開始大環境的不景氣到08年正式發酵,去年下半年到今年目前為止,之前排名前幾名的那些銀行,倒得倒,而其他因為被部分投資商品影響的銀行也面臨被小投資人抽銀根,而不得不跟其他資金較為雄厚的銀行合併。﹝聽說澳洲N開頭的銀行因為這次的金融風暴擠身為全球前7大銀行..........有沒有那麼誇張說?﹞

因為銀行放款的條件變為嚴趨,對於放款條件的審核也較以前謹慎很多,很多商家跟一般產業因為大環境的條件不優,銀行放款的保守。很多原本體質不佳的商家在這次的金融危機真的就出現危機了,有些倒帳、有些逼不得已想辦法賣掉資產還貸款。

銀行影響一般產業,產業的業績不足為了降低成本只好開始裁員或是進行其他可解省本的措施。

那這樣就影響一些消費者的信心了,對未來的不確定消費時也是盡量花在刀口上。能省則省能免則免。

消費能力衰弱,經濟成長指數下跌。

為了刺激經濟唯有刺激消費。

台灣的政府搬出了發放消費卷的措施,鼓勵消費。但是消費卷有限制的消費。因為是消費卷啊!不過是全民普及,管你是大富豪?還是窮人家一律都是3,600。

澳洲呢?

之前執政黨跟在野黨在為撥放AUD950塊的現金而爭論不休,直到最近拍板定案。

目前所知道的發放條件為在07-08年有申報稅務資料的居民為主。

但是稅法上的居民跟一般所謂的居民又不大一樣,在稅法上只要在澳洲待有181天以上?  就符合稅法上的居民。

根據在etax看到的AUD900發放原則.....那在澳洲有working holiday的朋友可以試試去申請看!!!

etax所list 出來的發放條件(非ATO的etax啦)

Some 8.7 million Australian workers earning $100,000 or less are eligible to receive $900 as part of the $42 billion economic stimulus package the Rudd Government announced on 3rd February 2009. To be eligible to receive this payment you must meet the following criteria:
  • Lodge your 2008 Tax Return before 30 June 2009
  • Your taxable income for 2008 was less than $100,000
  • You actually paid tax in the 2008 tax year (its ok if you got a refund due to PAYG in most cases)
  • You are an Australian Resident for tax purposes﹝重點﹞
The $900 tax bonus payment is subject to an income threshold test and will be paid on a sliding scale:
  • $900 bonus will be paid if your taxable income is less than $80,000
  • $600 bonus will be paid if your taxable income is less than $90,000
  • $250 bonus will be paid if your taxable income is less than $100,000
There are also a number of other tax bonuses, including to families with school-age children, farmers, single income families and people undergoing training.

其實我覺得消費卷有消費卷的好,因為拿了以後一定要去用是吧?﹝抱歉其實我沒看過那長甚麼樣子, 只能猜測他是類似一種對換卷? 或是像百貨公司的禮卷一般﹞不用就等於是一張白紙放在那!

而澳洲的cash bonus也是有好有不好, 我不知道這裡的人是會拿去花用還是存起來? 因為我是要拿來繳CPA的課程費用XD....所以對我來說算是減輕一下肩膀上的負擔!

不管是現金還是消費卷其實都是有益的^^
希望最終都能達到兩邊政府的目的→刺激經濟成長。


 The bonus will be available to Australian resident taxpayers who paid net tax in the 2007‑08 financial year.﹝在2007-2008年內有申報稅務資料之澳洲居民將可申領cash bonus﹞這裡看的解釋似乎是針對澳洲本土居民而非在稅法上所認定之居民,所以打工旅遊或是留學生在這裡是否可領取cash bonus可能要跟ATO確認了。

Taxpayers will not need to apply for the payment. The Australian Taxation Office will make the payment to taxpayers after determining eligibility for the 2007‑08 financial year.﹝此筆cash bonus不須申請,澳洲稅務局會針對納稅人在2007-2008年的繳稅是否符合資格而發放﹞

Taxpayers must lodge their tax returns for the 2007‑08 financial year by 30 June 2009 to be eligible.﹝納稅人最晚須在2009年6月完成2007-2008年的納稅,才符合審查資格﹞

This measure will benefit around 8.7 million taxpayers.
Questions and Answers
Who will be assisted?

    * Australian individuals who are residents for taxation purposes who have a net tax liability after considering their:
          o tax payable;
          o Medicare levy and Medicare levy surcharge;
          o less any offsets or imputation credits they received for the year.
    * The amounts of these elements are set out in the taxpayer's Notice of Assessment.

How much is the bonus?


    * A $900 bonus will be paid to taxpayers with taxable income up to and including $80,000.
    * A $600 bonus will be paid to taxpayers with income exceeding $80,000 to $90,000.
    * A $250 bonus will be paid to taxpayers with income exceeding $90,000 to and including $100,000.

When and how will it be paid?


    * Payments will begin being made from April 2009 for those who have lodged a 2007‑08 tax return.
    * Taxpayers will not need to apply for the payment. The Australian Taxation Office will make the payment to taxpayers after determining eligibility for the 2007‑08 financial year. The vast majority of taxpayers have already lodged their tax returns.
    * Taxpayers who have not already lodged their 2007‑08 income tax return should do so by the end of June 2009 to obtain the bonus.
    * The bonus will be a direct payment to taxpayers including through electronic transfer or cheque. The bonus will not be used to offset a taxpayer's tax liability.

Why has the Government lowered the Bonus by $50?

    * The Government has made some amendments to the Nation Building and Jobs Plan to ensure the passage of this important Plan. This includes making some changes to the size of some of the targeted payments – to ensure the package remains fiscally responsible.
    * This adjustment balances the requirement for fiscal responsibility with the need to deliver fiscal stimulus now.
    * This does not fundamentally alter the balance, the intentions, or the careful design of the package.

想知道符不符合cash bonus的資格-->看看這裡吧!

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