部分属实

评分： 5.0/10

报告问题
Coalition
C0839

声明内容

“通过放宽有关财务规划的消费者保护规则，从澳大利亚人的退休金账户中取走了1400亿澳元。”
老龄化 经济 安全
原始来源： Matthew Davis
分析时间： 3 Feb 2026

原始来源

✅ 事实核查

该gāi gāi 说法shuō fǎ shuō fǎ 涉及shè jí shè jí CoalitionCoalition Coalition 政府zhèng fǔ zhèng fǔ 对duì duì FutureFuture Future ofof of FinancialFinancial Financial AdviceAdvice Advice (( ( FOFAFOFA FOFA )) ) 改革gǎi gé gǎi gé 的de de 修正案xiū zhèng àn xiū zhèng àn 。。 。
The claim references the Coalition government's amendments to the Future of Financial Advice (FOFA) reforms.
 FOFAFOFA FOFA 最初zuì chū zuì chū 由yóu yóu GillardGillard Gillard LaborLabor Labor 政府zhèng fǔ zhèng fǔ 通过tōng guò tōng guò 20122012 2012 年nián nián 《《 《 公司法gōng sī fǎ gōng sī fǎ 修正案xiū zhèng àn xiū zhèng àn （（ （ FutureFuture Future ofof of FinancialFinancial Financial AdviceAdvice Advice ）） ） 法fǎ fǎ 》》 》 引入yǐn rù yǐn rù ，， ， 并于bìng yú bìng yú 20132013 2013 年nián nián 77 7 月yuè yuè 11 1 日rì rì 成为chéng wéi chéng wéi 强制性qiáng zhì xìng qiáng zhì xìng 规定guī dìng guī dìng [[ [ 11 1 ]] ] 。。 。
FOFA was originally introduced by the Gillard Labor government through the Corporations Amendment (Future of Financial Advice) Act 2012 and became mandatory on 1 July 2013 [1].
 其qí qí 目标mù biāo mù biāo 是shì shì 提高tí gāo tí gāo 金融jīn róng jīn róng 服务业fú wù yè fú wù yè 中zhōng zhōng 澳大利亚ào dà lì yà ào dà lì yà 零售líng shòu líng shòu 投资者tóu zī zhě tóu zī zhě 的de de 信任xìn rèn xìn rèn 和hé hé 信心xìn xīn xìn xīn ，， ， 并bìng bìng 确保què bǎo què bǎo 高质量gāo zhì liàng gāo zhì liàng 金融jīn róng jīn róng 建议jiàn yì jiàn yì 的de de 可kě kě 获得性huò dé xìng huò dé xìng 、、 、 可及kě jí kě jí 性xìng xìng 和hé hé 可kě kě 负担fù dān fù dān 性xìng xìng 。。 。
The objectives were to improve trust in the financial services sector and ensure availability of high-quality financial advice.
 于yú yú 20132013 2013 年nián nián 99 9 月yuè yuè 当选dāng xuǎn dāng xuǎn 的de de CoalitionCoalition Coalition 政府zhèng fǔ zhèng fǔ 在zài zài 20132013 2013 年nián nián 1212 12 月yuè yuè 2020 20 日rì rì 宣布xuān bù xuān bù 了le le 对duì duì FOFAFOFA FOFA 的de de 修改xiū gǎi xiū gǎi ，， ， 理由lǐ yóu lǐ yóu 是shì shì 需要xū yào xū yào "" " 降低jiàng dī jiàng dī 金融jīn róng jīn róng 服务业fú wù yè fú wù yè 的de de 合规hé guī hé guī 成本chéng běn chéng běn 和hé hé 监管jiān guǎn jiān guǎn 负担fù dān fù dān "" " [[ [ 22 2 ]] ] 。。 。
The Coalition government, elected in September 2013, announced changes to FOFA on 20 December 2013, citing the need to "reduce compliance costs and regulatory burden on the financial services sector" [2].
 这些zhè xiē zhè xiē 修正案xiū zhèng àn xiū zhèng àn 通过tōng guò tōng guò 于yú yú 20142014 2014 年nián nián 77 7 月yuè yuè 11 1 日rì rì 生效shēng xiào shēng xiào 的de de 法规fǎ guī fǎ guī 实施shí shī shí shī ，， ， 尽管jǐn guǎn jǐn guǎn 最初zuì chū zuì chū 于yú yú 20142014 2014 年nián nián 1111 11 月yuè yuè 1919 19 日rì rì 被bèi bèi 参议院cān yì yuàn cān yì yuàn 否决fǒu jué fǒu jué ，， ， 但dàn dàn 随后suí hòu suí hòu 通过tōng guò tōng guò 20142014 2014 年nián nián 1212 12 月yuè yuè 和hé hé 20152015 2015 年nián nián 77 7 月yuè yuè 的de de 修订xiū dìng xiū dìng 法规fǎ guī fǎ guī 在zài zài 两党liǎng dǎng liǎng dǎng 支持zhī chí zhī chí 下xià xià 重新chóng xīn chóng xīn 确立què lì què lì [[ [ 22 2 ]] ] 。。 。
These amendments were implemented through regulations commencing 1 July 2014, though they were initially disallowed by the Senate on 19 November 2014 before being reinstated with bipartisan support through revised regulations in December 2014 and July 2015 [2].
 具体jù tǐ jù tǐ 修正案xiū zhèng àn xiū zhèng àn 包括bāo kuò bāo kuò ：： ：
The specific amendments included: - Removing the "opt-in" obligation that required advice providers to renew client agreements every two years [3] - Removing the requirement for fee disclosure statements to be sent to pre-1 July 2013 clients [3] - Removing the "catch-all" element of the "safe harbour" for the best interests duty [3] - Allowing general advice to be exempt from conflicted remuneration in some circumstances [3] **Regarding the $140 billion figure:** No authoritative source could be found verifying this specific amount.
 -- - 取消qǔ xiāo qǔ xiāo 要求yāo qiú yāo qiú 建议jiàn yì jiàn yì 提供商tí gōng shāng tí gōng shāng 每měi měi 两年liǎng nián liǎng nián 更新gēng xīn gēng xīn 一次yī cì yī cì 客户kè hù kè hù 协议xié yì xié yì 的de de "" " 选择xuǎn zé xuǎn zé 加入jiā rù jiā rù "" " 义务yì wù yì wù [[ [ 33 3 ]] ]
Superannuation fees are substantial—Australians paid over $32 billion in fees in 2023 and $10.2 billion in the year ended June 2024 [4][5]—but the specific claim of "$140 billion taken out" through FOFA amendments cannot be verified through government reports, parliamentary records, or mainstream media sources.
 -- - 取消qǔ xiāo qǔ xiāo 向xiàng xiàng 20132013 2013 年nián nián 77 7 月yuè yuè 11 1 日前rì qián rì qián 的de de 客户kè hù kè hù 发送fā sòng fā sòng 费用fèi yòng fèi yòng 披露pī lù pī lù 声明shēng míng shēng míng 的de de 要求yāo qiú yāo qiú [[ [ 33 3 ]] ]
-- - 取消qǔ xiāo qǔ xiāo 最佳zuì jiā zuì jiā 利益lì yì lì yì 义务yì wù yì wù "" " 避风港bì fēng gǎng bì fēng gǎng "" " 中zhōng zhōng 的de de "" " 兜底dōu dǐ dōu dǐ "" " 要素yào sù yào sù [[ [ 33 3 ]] ]
-- - 允许yǔn xǔ yǔn xǔ 一般性yì bān xìng yì bān xìng 建议jiàn yì jiàn yì 在zài zài 特定tè dìng tè dìng 情况qíng kuàng qíng kuàng 下xià xià 免于miǎn yú miǎn yú 利益冲突lì yì chōng tū lì yì chōng tū 报酬bào chóu bào chóu [[ [ 33 3 ]] ]
** * ** * 关于guān yú guān yú 14001400 1400 亿澳元yì ào yuán yì ào yuán 的de de 数字shù zì shù zì ：： ： ** * ** * 未能wèi néng wèi néng 找到zhǎo dào zhǎo dào 权威quán wēi quán wēi 来源lái yuán lái yuán 证实zhèng shí zhèng shí 这一zhè yī zhè yī 具体jù tǐ jù tǐ 金额jīn é jīn é 。。 。
退休金tuì xiū jīn tuì xiū jīn 费用fèi yòng fèi yòng 确实què shí què shí 很hěn hěn 高gāo gāo —— — —— — 澳大利亚人ào dà lì yà rén ào dà lì yà rén 在zài zài 20232023 2023 年nián nián 支付zhī fù zhī fù 了le le 超过chāo guò chāo guò 320320 320 亿澳元yì ào yuán yì ào yuán 的de de 费用fèi yòng fèi yòng ，， ， 在zài zài 截至jié zhì jié zhì 20242024 2024 年nián nián 66 6 月yuè yuè 的de de 一年yī nián yī nián 中zhōng zhōng 支付zhī fù zhī fù 了le le 102102 102 亿澳元yì ào yuán yì ào yuán [[ [ 44 4 ]] ] [[ [ 55 5 ]] ] —— — —— — 但dàn dàn 无法wú fǎ wú fǎ 通过tōng guò tōng guò 政府zhèng fǔ zhèng fǔ 报告bào gào bào gào 、、 、 议会yì huì yì huì 记录jì lù jì lù 或huò huò 主流zhǔ liú zhǔ liú 媒体méi tǐ méi tǐ 来源lái yuán lái yuán 来lái lái 验证yàn zhèng yàn zhèng "" " 从cóng cóng 账户zhàng hù zhàng hù 中取zhōng qǔ zhōng qǔ 走zǒu zǒu 14001400 1400 亿澳元yì ào yuán yì ào yuán "" " 这一zhè yī zhè yī 具体jù tǐ jù tǐ 说法shuō fǎ shuō fǎ 。。 。

缺失背景

该gāi gāi 说法shuō fǎ shuō fǎ 忽略hū lüè hū lüè 了le le 几个jǐ gè jǐ gè 关键guān jiàn guān jiàn 背景bèi jǐng bèi jǐng ：： ：
The claim omits several critical pieces of context: 1. **FOFA was originally Labor legislation:** The original consumer protection framework was introduced by the Gillard Labor government, not the Coalition [1].
 11 1 .. . ** * ** * FOFAFOFA FOFA 最初zuì chū zuì chū 是shì shì LaborLabor Labor 的de de 立法lì fǎ lì fǎ ：： ： ** * ** * 原始yuán shǐ yuán shǐ 的de de 消费者xiāo fèi zhě xiāo fèi zhě 保护bǎo hù bǎo hù 框架kuāng jià kuāng jià 是shì shì 由yóu yóu GillardGillard Gillard LaborLabor Labor 政府zhèng fǔ zhèng fǔ 引入yǐn rù yǐn rù 的de de ，， ， 而ér ér 非fēi fēi CoalitionCoalition Coalition [[ [ 11 1 ]] ] 。。 。
The Coalition amended existing legislation rather than creating the regulatory environment from scratch. 2. **Bipartisan support for some amendments:** The revised regulations that were ultimately implemented received bipartisan support in the Senate [2]. 3. **Policy rationale provided:** The government stated the amendments were intended to "ensure the integrity of the financial advice framework was maintained whilst delivering a system that offered affordable and accessible financial advice to the Australian community" [2].
 CoalitionCoalition Coalition 修改xiū gǎi xiū gǎi 的de de 是shì shì 现有xiàn yǒu xiàn yǒu 立法lì fǎ lì fǎ ，， ， 而ér ér 非fēi fēi 从零开始cóng líng kāi shǐ cóng líng kāi shǐ 创建chuàng jiàn chuàng jiàn 监管jiān guǎn jiān guǎn 环境huán jìng huán jìng 。。 。
The amendments aimed to facilitate "scaled advice"—limited advice on specific topics at lower cost. 4. **Banking Royal Commission revelations:** The 2017-2019 Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry (established by the Turnbull Coalition government) revealed widespread misconduct including fees charged without service and inappropriate erosion of member balances [6].
 22 2 .. . ** * ** * 部分bù fèn bù fèn 修正案xiū zhèng àn xiū zhèng àn 获得huò dé huò dé 两党liǎng dǎng liǎng dǎng 支持zhī chí zhī chí ：： ： ** * ** * 最终zuì zhōng zuì zhōng 实施shí shī shí shī 的de de 修订xiū dìng xiū dìng 法规fǎ guī fǎ guī 在zài zài 参议院cān yì yuàn cān yì yuàn 获得huò dé huò dé 了le le 两党liǎng dǎng liǎng dǎng 支持zhī chí zhī chí [[ [ 22 2 ]] ] 。。 。
However, these problems predated the FOFA amendments and occurred under both Labor and Coalition regulatory frameworks.
 33 3 .. . ** * ** * 提供tí gōng tí gōng 的de de 政策zhèng cè zhèng cè 理由lǐ yóu lǐ yóu ：： ： ** * ** * 政府zhèng fǔ zhèng fǔ 声明shēng míng shēng míng 修正案xiū zhèng àn xiū zhèng àn 旨在zhǐ zài zhǐ zài "" " 在zài zài 确保què bǎo què bǎo 金融jīn róng jīn róng 建议jiàn yì jiàn yì 框架kuāng jià kuāng jià 完整性wán zhěng xìng wán zhěng xìng 的de de 同时tóng shí tóng shí ，， ， 为wèi wèi 澳大利亚ào dà lì yà ào dà lì yà 社区shè qū shè qū 提供tí gōng tí gōng 一个yí gè yí gè 提供tí gōng tí gōng 可kě kě 负担fù dān fù dān 和hé hé 可kě kě 获得huò dé huò dé 金融jīn róng jīn róng 建议jiàn yì jiàn yì 的de de 制度zhì dù zhì dù "" " [[ [ 22 2 ]] ] 。。 。
修正案xiū zhèng àn xiū zhèng àn 特别tè bié tè bié 旨在zhǐ zài zhǐ zài 促进cù jìn cù jìn "" " 分层fēn céng fēn céng 建议jiàn yì jiàn yì "" " —— — —— — 针对zhēn duì zhēn duì 特定tè dìng tè dìng 主题zhǔ tí zhǔ tí 的de de 有限yǒu xiàn yǒu xiàn 、、 、 低成本dī chéng běn dī chéng běn 建议jiàn yì jiàn yì 。。 。
44 4 .. . ** * ** * BankingBanking Banking RoyalRoyal Royal CommissionCommission Commission 的de de 揭露jiē lù jiē lù ：： ： ** * ** * 20172017 2017 -- - 20192019 2019 年nián nián 由yóu yóu TurnbullTurnbull Turnbull CoalitionCoalition Coalition 政府zhèng fǔ zhèng fǔ 成立chéng lì chéng lì 的de de BankingBanking Banking RoyalRoyal Royal CommissionCommission Commission （（ （ 银行业yín háng yè yín háng yè 、、 、 退休金tuì xiū jīn tuì xiū jīn 和hé hé 金融服务jīn róng fú wù jīn róng fú wù 不当bù dàng bù dàng 行为xíng wéi xíng wéi 皇家huáng jiā huáng jiā 调查diào chá diào chá 委员会wěi yuán huì wěi yuán huì ）） ） 揭示jiē shì jiē shì 了le le 广泛guǎng fàn guǎng fàn 的de de 不当bù dàng bù dàng 行为xíng wéi xíng wéi ，， ， 包括bāo kuò bāo kuò 未wèi wèi 提供tí gōng tí gōng 服务fú wù fú wù 却què què 收取shōu qǔ shōu qǔ 费用fèi yòng fèi yòng 以及yǐ jí yǐ jí 不当bù dàng bù dàng 侵蚀qīn shí qīn shí 会员huì yuán huì yuán 余额yú é yú é [[ [ 66 6 ]] ] 。。 。
然而rán ér rán ér ，， ， 这些zhè xiē zhè xiē 问题wèn tí wèn tí 早于zǎo yú zǎo yú FOFAFOFA FOFA 修正案xiū zhèng àn xiū zhèng àn ，， ， 并bìng bìng 在zài zài LaborLabor Labor 和hé hé CoalitionCoalition Coalition 的de de 监管jiān guǎn jiān guǎn 框架kuāng jià kuāng jià 下xià xià 都dōu dōu 发生fā shēng fā shēng 过guò guò 。。 。

来源可信度评估

提供tí gōng tí gōng 的de de 原始yuán shǐ yuán shǐ 来源lái yuán lái yuán 是shì shì HeraldHerald Herald SunSun Sun （（ （ heraldsunheraldsun heraldsun .. . comcom com .. . auau au ）） ） ，， ， NewsNews News CorpCorp Corp AustraliaAustralia Australia 的de de 出版物chū bǎn wù chū bǎn wù [[ [ 77 7 ]] ] 。。 。
The original source provided is The Herald Sun (heraldsun.com.au), a News Corp Australia publication [7]. **Assessment:** - The Herald Sun is a mainstream metropolitan newspaper based in Melbourne - News Corp Australia publications have been widely documented as having a conservative editorial bias and generally supporting Coalition governments [8] - The specific article from 2014 appears to be an opinion piece or commentary on superannuation protection - While a mainstream source, News Corp's political alignment suggests potential bias in framing issues against the Coalition The use of a News Corp source for a claim critical of the Coalition is notable, as this would typically be unexpected given the organization's general editorial stance.
 ** * ** * 评估píng gū píng gū ：： ： ** * ** *
However, without access to the full article content, the specific framing and arguments cannot be fully assessed.
 -- - HeraldHerald Herald SunSun Sun 是shì shì 一家yī jiā yī jiā 总部zǒng bù zǒng bù 位于wèi yú wèi yú 墨尔本mò ěr běn mò ěr běn 的de de 主流zhǔ liú zhǔ liú 都市dū shì dū shì 报纸bào zhǐ bào zhǐ
-- - NewsNews News CorpCorp Corp AustraliaAustralia Australia 的de de 出版物chū bǎn wù chū bǎn wù 被bèi bèi 广泛guǎng fàn guǎng fàn 记录jì lù jì lù 为wèi wèi 具有jù yǒu jù yǒu 保守派bǎo shǒu pài bǎo shǒu pài 编辑biān jí biān jí 偏见piān jiàn piān jiàn ，， ， 通常tōng cháng tōng cháng 支持zhī chí zhī chí CoalitionCoalition Coalition 政府zhèng fǔ zhèng fǔ [[ [ 88 8 ]] ]
-- - 20142014 2014 年nián nián 的de de 具体jù tǐ jù tǐ 文章wén zhāng wén zhāng 似乎sì hū sì hū 是shì shì 关于guān yú guān yú 退休金tuì xiū jīn tuì xiū jīn 保护bǎo hù bǎo hù 的de de 意见yì jiàn yì jiàn 或huò huò 评论píng lùn píng lùn 文章wén zhāng wén zhāng
-- - 虽然suī rán suī rán 是shì shì 主流zhǔ liú zhǔ liú 来源lái yuán lái yuán ，， ， 但dàn dàn NewsNews News CorpCorp Corp 的de de 政治zhèng zhì zhèng zhì 倾向qīng xiàng qīng xiàng 表明biǎo míng biǎo míng 其qí qí 在zài zài 表述biǎo shù biǎo shù 针对zhēn duì zhēn duì CoalitionCoalition Coalition 的de de 问题wèn tí wèn tí 时shí shí 可能kě néng kě néng 存在cún zài cún zài 偏见piān jiàn piān jiàn
将jiāng jiāng NewsNews News CorpCorp Corp 来源lái yuán lái yuán 用于yòng yú yòng yú 批评pī píng pī píng CoalitionCoalition Coalition 的de de 说法shuō fǎ shuō fǎ 是shì shì 值得注意zhí de zhù yì zhí de zhù yì 的de de ，， ， 因为yīn wèi yīn wèi 考虑kǎo lǜ kǎo lǜ 到dào dào 该gāi gāi 组织zǔ zhī zǔ zhī 的de de 总体zǒng tǐ zǒng tǐ 编辑biān jí biān jí 立场lì chǎng lì chǎng ，， ， 这zhè zhè 通常tōng cháng tōng cháng 是shì shì 意料之外yì liào zhī wài yì liào zhī wài 的de de 。。 。
然而rán ér rán ér ，， ， 由于yóu yú yóu yú 无法wú fǎ wú fǎ 获取huò qǔ huò qǔ 完整wán zhěng wán zhěng 的de de 文章内容wén zhāng nèi róng wén zhāng nèi róng ，， ， 无法wú fǎ wú fǎ 充分chōng fèn chōng fèn 评估píng gū píng gū 具体jù tǐ jù tǐ 的de de 表述biǎo shù biǎo shù 和hé hé 论点lùn diǎn lùn diǎn 。。 。
⚖️

工党对比

** * ** * LaborLabor Labor 是否shì fǒu shì fǒu 做过zuò guò zuò guò 类似lèi sì lèi sì 的de de 事情shì qíng shì qíng ？？ ？
**Did Labor do something similar?** Search conducted: "Labor government FOFA reforms 2012 financial advice consumer protection" Finding: The original FOFA reforms were Labor's legislation.
 ** * ** *
The Gillard government introduced FOFA in 2012 in response to the Parliamentary Joint Committee on Corporations and Financial Services' inquiry into financial products and services [1][3]. **Key differences:** - Labor implemented the original consumer protection framework including the best interests duty, ban on conflicted remuneration, opt-in obligation, and fee disclosure requirements [3] - The Coalition's amendments watered down some of these protections, particularly the opt-in requirement and fee disclosure obligations for existing clients - The Banking Royal Commission later found misconduct occurred under both regulatory frameworks, suggesting the original FOFA protections were insufficient to prevent systemic problems **Comparative context:** Superannuation and financial advice fees have been a long-standing issue across multiple governments.
 搜索sōu suǒ sōu suǒ 内容nèi róng nèi róng ：： ： "" " LaborLabor Labor 政府zhèng fǔ zhèng fǔ FOFAFOFA FOFA 改革gǎi gé gǎi gé 20122012 2012 年nián nián 金融jīn róng jīn róng 建议jiàn yì jiàn yì 消费者xiāo fèi zhě xiāo fèi zhě 保护bǎo hù bǎo hù "" "
The $32 billion in superannuation fees paid in 2023 [4] demonstrates this is a systemic issue affecting Australians regardless of which party is in government.
 发现fā xiàn fā xiàn ：： ： 原始yuán shǐ yuán shǐ FOFAFOFA FOFA 改革gǎi gé gǎi gé 是shì shì LaborLabor Labor 的de de 立法lì fǎ lì fǎ 。。 。
Both Labor and Coalition governments have struggled to effectively regulate the financial services sector, as evidenced by the extensive misconduct revealed by the Banking Royal Commission [6].
 GillardGillard Gillard 政府zhèng fǔ zhèng fǔ 在zài zài 20122012 2012 年nián nián 引入yǐn rù yǐn rù FOFAFOFA FOFA ，， ， 以yǐ yǐ 回应huí yìng huí yìng 议会yì huì yì huì 公司gōng sī gōng sī 和hé hé 金融服务jīn róng fú wù jīn róng fú wù 联合lián hé lián hé 委员会wěi yuán huì wěi yuán huì 对duì duì 金融jīn róng jīn róng 产品chǎn pǐn chǎn pǐn 和hé hé 服务fú wù fú wù 的de de 调查diào chá diào chá [[ [ 11 1 ]] ] [[ [ 33 3 ]] ] 。。 。
** * ** * 主要zhǔ yào zhǔ yào 区别qū bié qū bié ：： ： ** * ** *
-- - LaborLabor Labor 实施shí shī shí shī 了le le 原始yuán shǐ yuán shǐ 的de de 消费者xiāo fèi zhě xiāo fèi zhě 保护bǎo hù bǎo hù 框架kuāng jià kuāng jià ，， ， 包括bāo kuò bāo kuò 最佳zuì jiā zuì jiā 利益lì yì lì yì 义务yì wù yì wù 、、 、 禁止jìn zhǐ jìn zhǐ 利益冲突lì yì chōng tū lì yì chōng tū 报酬bào chóu bào chóu 、、 、 选择xuǎn zé xuǎn zé 加入jiā rù jiā rù 义务yì wù yì wù 和hé hé 费用fèi yòng fèi yòng 披露pī lù pī lù 要求yāo qiú yāo qiú [[ [ 33 3 ]] ]
-- - CoalitionCoalition Coalition 的de de 修正案xiū zhèng àn xiū zhèng àn 削弱xuē ruò xuē ruò 了le le 部分bù fèn bù fèn 这些zhè xiē zhè xiē 保护措施bǎo hù cuò shī bǎo hù cuò shī ，， ， 特别tè bié tè bié 是shì shì 选择xuǎn zé xuǎn zé 加入jiā rù jiā rù 要求yāo qiú yāo qiú 和hé hé 对duì duì 现有xiàn yǒu xiàn yǒu 客户kè hù kè hù 的de de 费用fèi yòng fèi yòng 披露pī lù pī lù 义务yì wù yì wù
-- - BankingBanking Banking RoyalRoyal Royal CommissionCommission Commission 后来hòu lái hòu lái 发现fā xiàn fā xiàn ，， ， 在zài zài 两个liǎng gè liǎng gè 监管jiān guǎn jiān guǎn 框架kuāng jià kuāng jià 下xià xià 都dōu dōu 发生fā shēng fā shēng 了le le 不当bù dàng bù dàng 行为xíng wéi xíng wéi ，， ， 表明biǎo míng biǎo míng 原始yuán shǐ yuán shǐ FOFAFOFA FOFA 保护措施bǎo hù cuò shī bǎo hù cuò shī 不足以bù zú yǐ bù zú yǐ 防止fáng zhǐ fáng zhǐ 系统性xì tǒng xìng xì tǒng xìng 问题wèn tí wèn tí
** * ** * 比较bǐ jiào bǐ jiào 背景bèi jǐng bèi jǐng ：： ： ** * ** *
退休金tuì xiū jīn tuì xiū jīn 和hé hé 金融jīn róng jīn róng 建议jiàn yì jiàn yì 费用fèi yòng fèi yòng 长期以来cháng qī yǐ lái cháng qī yǐ lái 一直yì zhí yì zhí 是shì shì 多个duō gè duō gè 政府zhèng fǔ zhèng fǔ 面临miàn lín miàn lín 的de de 持续chí xù chí xù 问题wèn tí wèn tí 。。 。
20232023 2023 年nián nián 支付zhī fù zhī fù 的de de 320320 320 亿澳元yì ào yuán yì ào yuán 退休金tuì xiū jīn tuì xiū jīn 费用fèi yòng fèi yòng [[ [ 44 4 ]] ] 表明biǎo míng biǎo míng 这是zhè shì zhè shì 一个yí gè yí gè 系统性xì tǒng xìng xì tǒng xìng 问题wèn tí wèn tí ，， ， 影响yǐng xiǎng yǐng xiǎng 着zhe zhe 澳大利亚人ào dà lì yà rén ào dà lì yà rén ，， ， 无论wú lùn wú lùn 哪个nǎ ge nǎ ge 政党zhèng dǎng zhèng dǎng 执政zhí zhèng zhí zhèng 。。 。
LaborLabor Labor 和hé hé CoalitionCoalition Coalition 政府zhèng fǔ zhèng fǔ 都dōu dōu 难以nán yǐ nán yǐ 有效yǒu xiào yǒu xiào 监管jiān guǎn jiān guǎn 金融jīn róng jīn róng 服务业fú wù yè fú wù yè ，， ， BankingBanking Banking RoyalRoyal Royal CommissionCommission Commission 揭示jiē shì jiē shì 的de de 大量dà liàng dà liàng 不当bù dàng bù dàng 行为xíng wéi xíng wéi 证明zhèng míng zhèng míng 了le le 这zhè zhè 一点yì diǎn yì diǎn [[ [ 66 6 ]] ] 。。 。
🌐

平衡视角

虽然suī rán suī rán 批评者pī píng zhě pī píng zhě 认为rèn wéi rèn wéi CoalitionCoalition Coalition 的de de FOFAFOFA FOFA 修正案xiū zhèng àn xiū zhèng àn 削弱xuē ruò xuē ruò 了le le 消费者xiāo fèi zhě xiāo fèi zhě 保护bǎo hù bǎo hù [[ [ 99 9 ]] ] ，， ， 但dàn dàn 政府zhèng fǔ zhèng fǔ 坚称jiān chēng jiān chēng 这些zhè xiē zhè xiē 变更biàn gēng biàn gēng 是shì shì 必要bì yào bì yào 的de de ，， ， 以yǐ yǐ 减少jiǎn shǎo jiǎn shǎo 监管jiān guǎn jiān guǎn 负担fù dān fù dān ，， ， 使shǐ shǐ 金融jīn róng jīn róng 建议jiàn yì jiàn yì 更gèng gèng 实惠shí huì shí huì 、、 、 更gèng gèng 可及kě jí kě jí [[ [ 22 2 ]] ] 。。 。
While critics argued the Coalition's FOFA amendments weakened consumer protections [9], the government maintained the changes were necessary to reduce regulatory burden and make financial advice more affordable and accessible [2].
 修正案xiū zhèng àn xiū zhèng àn 特别tè bié tè bié 旨在zhǐ zài zhǐ zài 促进cù jìn cù jìn "" " 分层fēn céng fēn céng 建议jiàn yì jiàn yì "" " —— — —— — 针对zhēn duì zhēn duì 特定tè dìng tè dìng 需求xū qiú xū qiú 的de de 有限yǒu xiàn yǒu xiàn 、、 、 低成本dī chéng běn dī chéng běn 建议jiàn yì jiàn yì 。。 。
The amendments specifically aimed to facilitate "scaled advice"—limited, lower-cost advice for specific needs.
 随后suí hòu suí hòu 由yóu yóu CoalitionCoalition Coalition 政府zhèng fǔ zhèng fǔ 自己zì jǐ zì jǐ 建立jiàn lì jiàn lì 的de de BankingBanking Banking RoyalRoyal Royal CommissionCommission Commission （（ （ 20172017 2017 -- - 20192019 2019 年nián nián ）） ） 揭示jiē shì jiē shì 了le le 金融jīn róng jīn róng 服务业fú wù yè fú wù yè （（ （ 包括bāo kuò bāo kuò 退休金tuì xiū jīn tuì xiū jīn ）） ） 的de de 广泛guǎng fàn guǎng fàn 不当bù dàng bù dàng 行为xíng wéi xíng wéi [[ [ 66 6 ]] ] 。。 。
The subsequent Banking Royal Commission (2017-2019), established by the Coalition government itself, revealed widespread misconduct in the financial services sector including superannuation [6].
 这zhè zhè 表明biǎo míng biǎo míng 该gāi gāi 行业háng yè háng yè 的de de 问题wèn tí wèn tí 比bǐ bǐ 具体jù tǐ jù tǐ 的de de FOFAFOFA FOFA 修正案xiū zhèng àn xiū zhèng àn 更深gēng shēn gēng shēn ，， ， 在zài zài LaborLabor Labor 的de de 原始yuán shǐ yuán shǐ 框架kuāng jià kuāng jià 和hé hé CoalitionCoalition Coalition 的de de 修订xiū dìng xiū dìng 版本bǎn běn bǎn běn 下xià xià 都dōu dōu 发生fā shēng fā shēng 过guò guò 。。 。
This suggests the problems in the sector were deeper than the specific FOFA amendments and occurred under both Labor's original framework and the Coalition's amended version.
 该gāi gāi 说法shuō fǎ shuō fǎ 中zhōng zhōng 的de de 14001400 1400 亿澳元yì ào yuán yì ào yuán 数字shù zì shù zì 无法wú fǎ wú fǎ 通过tōng guò tōng guò 权威quán wēi quán wēi 来源lái yuán lái yuán 验证yàn zhèng yàn zhèng 。。 。
The $140 billion figure in the claim cannot be verified through authoritative sources.
 虽然suī rán suī rán 退休金tuì xiū jīn tuì xiū jīn 费用fèi yòng fèi yòng 每年měi nián měi nián 使shǐ shǐ 澳大利亚人ào dà lì yà rén ào dà lì yà rén 损失sǔn shī sǔn shī 数十shù shí shù shí 亿澳元yì ào yuán yì ào yuán （（ （ 仅jǐn jǐn 20232023 2023 年nián nián 就jiù jiù 达dá dá 320320 320 亿澳元yì ào yuán yì ào yuán ）） ） [[ [ 44 4 ]] ] ，， ， 但dàn dàn 将jiāng jiāng 14001400 1400 亿澳元yì ào yuán yì ào yuán 的de de 具体jù tǐ jù tǐ 损失sǔn shī sǔn shī 归因于guī yīn yú guī yīn yú FOFAFOFA FOFA 修正案xiū zhèng àn xiū zhèng àn 是shì shì 基于jī yú jī yú 现有xiàn yǒu xiàn yǒu 证据zhèng jù zhèng jù 未经wèi jīng wèi jīng 证实zhèng shí zhèng shí 的de de 。。 。
While superannuation fees cost Australians billions annually ($32 billion in 2023 alone) [4], attributing a specific $140 billion loss to the FOFA amendments is unsubstantiated based on available evidence. **Key context:** This is not entirely unique to the Coalition—financial services regulation has been a challenge for both major parties.
 ** * ** * 关键guān jiàn guān jiàn 背景bèi jǐng bèi jǐng ：： ： ** * ** * 这zhè zhè 并非bìng fēi bìng fēi CoalitionCoalition Coalition 独有dú yǒu dú yǒu —— — —— — 金融服务jīn róng fú wù jīn róng fú wù 监管jiān guǎn jiān guǎn 对duì duì 两大liǎng dà liǎng dà 主要zhǔ yào zhǔ yào 政党zhèng dǎng zhèng dǎng 都dōu dōu 是shì shì 一项yī xiàng yī xiàng 挑战tiǎo zhàn tiǎo zhàn 。。 。
The original FOFA framework was Labor's creation, and the Banking Royal Commission revealed misconduct that predated and postdated the Coalition amendments.
 原始yuán shǐ yuán shǐ FOFAFOFA FOFA 框架kuāng jià kuāng jià 是shì shì LaborLabor Labor 的de de 创举chuàng jǔ chuàng jǔ ，， ， BankingBanking Banking RoyalRoyal Royal CommissionCommission Commission 揭示jiē shì jiē shì 的de de 不当bù dàng bù dàng 行为xíng wéi xíng wéi 既jì jì 早于zǎo yú zǎo yú 也yě yě 晚于wǎn yú wǎn yú CoalitionCoalition Coalition 的de de 修正案xiū zhèng àn xiū zhèng àn 。。 。

部分属实

5.0

/ 10

CoalitionCoalition Coalition 确实què shí què shí 修改xiū gǎi xiū gǎi 了le le FOFAFOFA FOFA 改革gǎi gé gǎi gé ，， ， 减少jiǎn shǎo jiǎn shǎo 了le le 某些mǒu xiē mǒu xiē 消费者xiāo fèi zhě xiāo fèi zhě 保护bǎo hù bǎo hù 要求yāo qiú yāo qiú ，， ， 包括bāo kuò bāo kuò 取消qǔ xiāo qǔ xiāo 选择xuǎn zé xuǎn zé 加入jiā rù jiā rù 义务yì wù yì wù 和hé hé 对duì duì 现有xiàn yǒu xiàn yǒu 客户kè hù kè hù 的de de 费用fèi yòng fèi yòng 披露pī lù pī lù 要求yāo qiú yāo qiú 。。 。
The Coalition did amend the FOFA reforms to reduce certain consumer protection requirements, including removing the opt-in obligation and fee disclosure requirements for existing clients.
 然而rán ér rán ér ，， ， "" " 从cóng cóng 退休金tuì xiū jīn tuì xiū jīn 账户zhàng hù zhàng hù 中取zhōng qǔ zhōng qǔ 走zǒu zǒu 14001400 1400 亿澳元yì ào yuán yì ào yuán "" " 的de de 具体jù tǐ jù tǐ 说法shuō fǎ shuō fǎ 无法wú fǎ wú fǎ 通过tōng guò tōng guò 权威quán wēi quán wēi 来源lái yuán lái yuán 验证yàn zhèng yàn zhèng 。。 。
However, the specific claim of "$140 billion taken out of superannuation accounts" cannot be verified through authoritative sources.
 该gāi gāi 说法shuō fǎ shuō fǎ 还hái hái 忽略hū lüè hū lüè 了le le FOFAFOFA FOFA 最初zuì chū zuì chū 是shì shì LaborLabor Labor 的de de 立法lì fǎ lì fǎ 、、 、 部分bù fèn bù fèn 修正案xiū zhèng àn xiū zhèng àn 获得huò dé huò dé 两党liǎng dǎng liǎng dǎng 支持zhī chí zhī chí ，， ， 以及yǐ jí yǐ jí BankingBanking Banking RoyalRoyal Royal CommissionCommission Commission 揭示jiē shì jiē shì 的de de 在zài zài 双方shuāng fāng shuāng fāng 监管jiān guǎn jiān guǎn 框架kuāng jià kuāng jià 下xià xià 都dōu dōu 发生fā shēng fā shēng 了le le 系统性xì tǒng xìng xì tǒng xìng 金融服务jīn róng fú wù jīn róng fú wù 不当bù dàng bù dàng 行为xíng wéi xíng wéi 的de de 事实shì shí shì shí 。。 。
The claim also omits that FOFA was originally Labor's legislation, that some amendments received bipartisan support, and that systemic financial services misconduct occurred under both parties' regulatory frameworks as revealed by the Banking Royal Commission.

📚 来源与引用 (9)

  1. 1
    treasury.gov.au

    Future of Financial Advice | Treasury.gov.au

    Welcome to the website for the Future of Financial Advice (FOFA) reforms. FOFA became mandatory on 1 July 2013 (and was voluntary from 1 July 2012). The objectives of FOFA are to improve the trust and confidence of Australian retail investors in the financial services sector and ensure the availability, accessibility and affordability of high quality financial advice.

    Treasury Gov
  2. 2
    Future of Financial Advice (FOFA) reforms - ASIC

    Future of Financial Advice (FOFA) reforms - ASIC

    Fair, strong and efficient financial system for all Australians.

    Asic Gov
  3. 3
    Corporations Amendment (Streamlining of Future of Financial Advice) Bill 2014

    Corporations Amendment (Streamlining of Future of Financial Advice) Bill 2014

    On 4 September 2014, the Senate referred the Corporations Amendment (Streamlining of Future of Financial Advice) Bill 2014 to the Senate Economics Legislation Committee for inquiry and report by 30 September 2014. The Committee intends to table its report on 22 September 201

    Aph Gov
  4. 4
    Superannuation fees cost us $100,000 - and many don't even know it

    Superannuation fees cost us $100,000 - and many don't even know it

    New research commissioned by Vanguard Australia has revealed that 61 per cent of Australians do not realise their super fund is charging them multiple fees.

    Australian Financial Review
  5. 5
    apra.gov.au

    Annual superannuation bulletin - highlights

    Industry overview Total superannuation industry assets were $3.9 trillion as at 30 June 2024. Of this, $2.7 trillion (69.1 per cent) was held by APRA-regulated superannuation entities and $990 billion (25.2 per cent) was held by self-managed superannuation funds (SMSFs), which are regulated by the ATO. The remaining $224 billion comprised exempt public sector superannuation schemes ($167 billion, 4.3 per cent) and balance of life office statutory funds ($57 billion, 1.5 per cent).

    highlights | APRA
  6. 6
    en.wikipedia.org

    Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry

    Wikipedia

  7. 7
    heraldsun.com.au

    Herald Sun - About

    Heraldsun Com

  8. 8
    News Corp Australia - Media Bias/Fact Check

    News Corp Australia - Media Bias/Fact Check

    LEFT BIAS These media sources are moderately to strongly biased toward liberal causes through story selection and/or political affiliation.  They may

    Media Bias/Fact Check
  9. 9
    Three billion per year. How the financial system rips us off

    Three billion per year. How the financial system rips us off

    Dud insurance is the tip of the iceberg.

    The Conversation

评分方法

1-3: 不实

事实错误或恶意捏造。

4-6: 部分属实

有一定真实性，但缺乏背景或有所偏颇。

7-9: 基本属实

仅有微小的技术性或措辞问题。

10: 准确

完全经过验证且客观公正。

方法论: 评分通过交叉参照政府官方记录、独立事实核查机构和原始文件确定。

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