Singaporean Mandarin Database
This database contains a collection of Mandarin terms which have cultural, historical or sentimental value unique to Singapore. These terms may be used by Singaporeans in the past or at present. Some of the terms are read in print while others are used in our everyday conversations.
Central Provident Fund (CPF) Scheme
Central Provident Fund (CPF) Scheme
Photo courtesy of Central Provident Fund Board
DEFINITION
Noun
A mandatory savings scheme where both the employer and employee contribute a monthly amount.
由来
- 新加坡于1955年由当时的英国殖民地政府推行中央公积金制度，由法定机构中央公积金局 (Central Provident Fund Board，简称“公积金局”) 管理国人的公积金。
- 所有受雇职员必须定期缴交公积金，一般是薪金的 10%至20%，而雇主也必须为雇员缴交一定的公积金。
- 国人可在住屋、保险、投资、教育、医药方面，使用他们的公积金储蓄。
- 1970年代，公积金推出“特别户头” (Special Account)，为国人累积更多储蓄作为退休金。1984年设立保健储蓄户头 (MediSave Account)，帮助国人为医药开销做准备。1990年，公积金推出健保双全计划 (MediShield) 来帮助国人支付慢性与严重病症的医药开销。
ETYMOLOGY
- In 1955, the British colonial government implemented the Central Provident Fund (CPF) system in Singapore. The Central Provident Fund Board, a statutory board, manages the retirement funds of the people.
- All employees are required to make regular contributions to their CPF, which is usually 10–20% of their salary. Employers are also required to make contributions to their employees’ CPF.
- Members can use their CPF savings in matters related to housing, insurance, investment, education and medical needs.
- In 1970s, the CPF Board introduced the Special Account to help members accumulate more savings as retirement funds. The MediSave Account was established in 1984 to prepare members for future medical expenses. In 1990, the MediShield scheme was introduced to help members cope with the financial costs incurred from chronic and critical illnesses.
例句
中央公积金制度改革计划将使政府在无须动用国家储备金的情况下，建立一个可持续的机制去应付人口老龄化的挑战，同时也秉承了政府一贯的原则，不让国人养成对政府的依赖。(《联合早报》，15/9/2007)
SAMPLE SENTENCE
Amendments to the Central Provident Fund scheme will allow the Government to establish a sustainable mechanism to address the challenges of an ageing population, without the need to use funds from the national reserves. It also adheres to the Government’s principle of preventing the public from developing a dependence on the Government. (Lianhe Zaobao, 15/9/2007)