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COVID-19 ikuyesa njira zakuletsa / kufufuta zomwe zitha kukhala zowopsa kuposa zothandiza, lipoti la PERC limapeza

Written by Harry Johnson

Lipoti latsopano lomwe latulutsidwa ndi Policy & Economic Research Council (PERC) lidapeza kuti njira zochepetsera / zochotsa deta kuti zithetse kugwa kwachuma kwa COVID-19 zichepetsa kwambiri mwayi wopeza ngongole ngati atakhazikitsidwa. Lipotilo, lotchedwa "Impacts from System-Wide Suppression of Derogatory Data in Credit Reporting," lidatengera zotsatira za kuponderezedwa kwakukulu komanso kuchotsedwa kwa zidziwitso zolakwika zangongole. 

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Lipoti latsopano lomwe latulutsidwa ndi Policy & Economic Research Council (PERC) lidapeza kuti njira zochepetsera / zochotsa deta kuti zithetse kugwa kwachuma kwa COVID-19 zichepetsa kwambiri mwayi wopeza ngongole ngati atakhazikitsidwa. Lipotilo, lotchedwa "Impacts from System-Wide Suppression of Derogatory Data in Credit Reporting," lidatengera zotsatira za kuponderezedwa kwakukulu komanso kuchotsedwa kwa zidziwitso zolakwika zangongole. 

Kwa miyezi 18 yapitayi, opanga mfundo ku US komanso padziko lonse lapansi akulimbana ndi vuto la kutsekedwa kwa msika kuchokera ku njira zofunikira zothandizira zaumoyo. Kunyumba, kuyankha kwakanthawi kochepa komanso kolunjika kuchokera ku CARES Act kukuwoneka kuti kwapambana kwambiri. Komabe, mamembala ena a Congress adayimba kuti aletse kuletsa malipoti angongole a zidziwitso zoyipa, zomwe zikukhudza ogula onse panthawi (ndipo pakapita nthawi) vuto la COVID-19 - mfundo yomwe imatchedwa "kuponderezedwa ndi kuchotsedwa." . ”

Pomwe mliri ukulowera njira yoyenera ku US, dzikolo silinachoke m'nkhalango. Ndi 22% ya anthu aku US omwe alibe katemera, komanso kukwera kwa katemera padziko lonse lapansi, pali mwayi wambiri woti mavuto azachipatala apite cham'mbali. Izi zikachitika, opanga malamulo amatha kuyesedwa kuti akhazikitse njira zopondereza / zochotsa kuti ateteze ogula. Kuphatikiza apo, kugwiritsa ntchito njira yocheperako kwachitika posachedwa ku Congress ngati zosintha ku National Defense Authorization Act (NDAA). Ngakhale kuli ndi zolinga zabwino, monga momwe zilili ndi muyeso wokulirapo, kugwiritsa ntchito pang'ono kungakhale kovulaza kwa obwereka kuposa kuthandiza-panthawiyi, asitikali omwe ali okhazikika.

Lipoti la PERC lidapeza kuti ndi kuponderezedwa kochulukira / kufufuta komwe kulipo, chiwongola dzanja chikukwera - koma osakwanira kufananiza kukwera kwanthawi imodzi kwa zomwe obwereketsa omwe amagwiritsidwa ntchito ndi omwe amabwereketsa kuti asankhe omwe angakane ndi omwe angavomereze. Mwachitsanzo, patangotha ​​miyezi isanu ndi umodzi yopondereza / kufufutitsa, mphambu zomwe zidadulidwa zikukwera mpaka 699 pomwe kuchuluka kwa ngongole kumakulirakulira mpaka 693. Kusiyana pakati pa awiriwa kukukulira pakapita nthawi, kutanthauza kuti mfundo yoletsa yakhalapo, anthu ochulukirapo omwe adzakanidwa mwayi wopeza ngongole zotsika mtengo.

Umboni wochokera ku kafukufuku watsopanowu ukuwonetsanso kuti obwereka ang'onoang'ono, obwereketsa omwe amapeza ndalama zochepa, komanso obwereka ochokera kumadera ocheperako adzakumana ndi zovuta zambiri. Mu chitsanzo chimodzi, pamene kuvomereza ngongole kwa anthu onse kunatsika ndi 18%, kunatsika ndi 46% kwa obwereketsa aang'ono kwambiri. Chochitika china, kuphatikiza kuwonongeka kwamakhalidwe kuchokera ku mfundo zakupondereza / kufufutitsa, kunapeza mwayi wopeza ngongole kwa azaka zapakati pa 18 mpaka 24 wotsika ndi 90% yodabwitsa. Kufalikira kotereku pagulu limodzi lazaka zitha kukhala ndi zotsatira zokhalitsa pakutha kwawo kupeza chuma ndikumanga chuma - chodziwika bwino monga a Millennials adalimbana nawo kutsogolo kwa Gen-Xers ndi Boomers pazaka zomwezo. Ndi ndalama, idatsika 19% kwa opeza ndalama zochepa kwambiri koma 15% kwa apamwamba-kusiyana kwa 27%. Kwa mamembala am'madera azungu, omwe si Achipanishi ambiri, idagwa 17%, koma m'malo akuda kwambiri, idatsika 23%, ndipo m'malo ambiri aku Spain, idagwa 25%. 

Kafukufuku wazaka pafupifupi makumi awiri za PERC adayang'ana pakugwiritsa ntchito bwino deta kukulitsa kuphatikiza ndalama. Kafukufukuyu anali kupitiriza kwa pepala loyera lapitalo lotchedwa "Kuwonjezera Ndi Bwino Kuposa Kuchotsa: Zowopsa Zochokera Kuponderezedwa Kwa Data ndi Ubwino Wowonjezera Zambiri Zabwino Pakulemba Ngongole." Idawunikanso kafukufuku wam'mbuyomu wochotsa deta ndikupereka zopeza zofananira kuti kufufuta kwa data kumakhala kovulaza kwa obwereketsa. Mosiyana ndi kuponderezedwa / kuchotsedwa, kafukufuku wa PERC wapeza kuti kuwonjezera deta yosakhala yandalama ku malipoti a ngongole ya ogula kumawonjezera mwayi wopeza ngongole kwa anthu osawoneka ndi ngongole (makamaka anthu omwe amapeza ndalama zochepa, achichepere ndi achikulire aku America, madera ochepa komanso osamukira).

Ripotilo lidalimbikitsa kuwonjezera deta yolipira (munthawi yake) ya ma telecom, chingwe ndi Kanema wa Kanema, ndi makampani opanga ma Broadband mu njira yofotokozera za ngongole, m'malo mochotsa zolipira (mochedwa) zolipira. Kuphatikizidwa kwa zodziwikiratu kudzera munjira zololedwa ndi ogula kungathandizenso kuthana ndi kuwonongeka kwa zidziwitso zamtundu wachikongolezo zomwe zimadza chifukwa cha mliriwu.

Purezidenti wa PERC komanso wamkulu wa Dr. Michael Turner adati, "opanga mfundo ku United States akwanitsa kuchita bwino ndi malamulo a CARES Act - omwe agwira ntchito. Komabe, kupita patsogolo, kafukufuku wathu akuwonetsa kuti ayenera kupondaponda mosamala. ” Dr. Turner adalongosola za kuthekera kwakuti anthu omwe sanasankhidwe chifukwa chotsitsa / kufufutira amapita kwa obwereketsa okwera mtengo (masitolo ogulitsa ndalama, obwereketsa masiku olipirira, obwereketsa mayina awo) kuti akwaniritse zosowa zawo zenizeni. "Tikuganiza kuti ndi nthawi yoti Congress ichitepo kanthu kuti ipititse patsogolo kuphatikiza ma data ena mu malipoti a ngongole za ogula," a Turner adanenanso.

Woyambitsa Society for Financial Education & Professional Development (SFE&PD) komanso Purezidenti Ted Daniels anawonjezera kuti, "Lipoti la PERC lokhudza malipoti angongole lili ndi chidziwitso chothandiza kwambiri chifukwa limafotokoza momwe njira zochepetsera / kuchotsa deta za COVID-19 zimachepetsera mwayi wopeza ngongole kwa ogula, makamaka. anthu ochepa. Kuphatikiza apo, lipoti la PERC likuwonetsa kufunikira kofotokozera molondola komanso molondola zonse zokhudza ngongole - monga malipiro olondola a ma telecom, TV ndi Kanema Kanema, ndi burodibandi - m'malipoti a ngongole. ”  

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Ponena za wolemba

Harry Johnson

Harry Johnson wakhala mkonzi wa ntchito ya eTurboNews pafupifupi zaka 20. Amakhala ku Honolulu, Hawaii, ndipo kwawo ndi ku Europe. Amasangalala kulemba ndikulemba nkhani.

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