COVID-19 da aka gabatar da matakan murƙushe bayanai/goge bayanai da alama na iya zama mafi cutarwa fiye da taimako, rahoton PERC ya gano

A KYAUTA Kyauta 8 | eTurboNews | eTN
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Written by Harry Johnson

Wani sabon rahoto da Cibiyar Nazarin Manufofin & Tattalin Arziki (PERC) ta fitar ya gano cewa matakan da aka tsara na murkushe bayanan / sharewa don magance tabarbarewar tattalin arzikin COVID-19 za su rage samun damar yin lamuni sosai idan an aiwatar da su. Rahoton, mai taken "Tasiri daga Tsari-Tsarin Tsare-Tsarin Ƙarfafa Bayanan Ƙira a Rahoton Kiredit," ya kwaikwayi tasirin danne manyan bayanai da share bayanan kiredit mara kyau. 

Wani sabon rahoto da Cibiyar Nazarin Manufofin & Tattalin Arziki (PERC) ta fitar ya gano cewa matakan da aka tsara na murkushe bayanan / sharewa don magance tabarbarewar tattalin arzikin COVID-19 za su rage samun damar yin lamuni sosai idan an aiwatar da su. Rahoton, mai taken "Tasiri daga Tsari-Tsarin Tsare-Tsarin Ƙarfafa Bayanan Ƙira a Rahoton Kiredit," ya kwaikwayi tasirin danne manyan bayanai da share bayanan kiredit mara kyau. 

A cikin watanni 18 da suka gabata, masu tsara manufofi a cikin Amurka da kuma duniya baki ɗaya sun kokawa tare da rikitaccen batun rufe kasuwa daga matakan da suka dace na kiwon lafiya. A cikin gida, kunkuntar martanin bayar da rahoton kiredit da aka yi niyya daga Dokar CARES da alama an yi nasara sosai. Koyaya, akwai wasu kiraye-kirayen da wasu membobin Majalisa suka yi na dakatar da kai tsaye kan tsarin bayar da rahoton bashi game da bayanan da ba su dace ba, wanda ya shafi duk masu amfani yayin (da kuma wani lokaci bayan) rikicin COVID-19-manufar da ake kira “danniya da gogewa. .”

Yayin da annobar ke tafiya kan madaidaiciyar hanya a Amurka, kasar ba ta fita daga cikin dazuzzuka ba. Tare da kashi 22% na yawan jama'ar Amurka ba a yi musu allurar rigakafi ba, kuma mafi ƙarancin adadin allurar rigakafi a duniya, akwai dama mai yawa ga matsalar kiwon lafiya ta koma gefe. Idan hakan ya faru, ana iya jarabtar 'yan majalisa don aiwatar da matakan murkushewa/sharewa don kare masu amfani. Haka kuma, kwanan nan an gabatar da mafi ƙarancin aikace-aikacen wannan hanyar a cikin Majalisa a matsayin gyare-gyare ga Dokar Izinin Tsaro ta ƙasa (NDAA). Yayin da aka yi niyya mai kyau, kamar yadda yake tare da mafi girman ma'auni, ƙayyadaddun aikace-aikace na iya zama cutarwa ga masu ba da bashi fiye da taimako-a wannan yanayin ma'aikatan soja masu aiki.

Rahoton na PERC ya gano cewa tare da faffadan manufofin murkushewa/sharewa a wurin, matsakaitan makin kiredit ya ƙaru - amma bai isa ya dace da tashin lokaci guda ba a cikin makin yanke yanke hukunci da masu ba da lamuni ke amfani da su don yanke shawarar waɗanda masu karɓar bashi za su ƙi da wanda za su karɓa. Misali, bayan watanni shida kacal na murkushewa/sharewa, sakamakon yanke-kashe ya haura zuwa 699 yayin da matsakaicin makin kiredit ya karu zuwa 693 kawai. Tazarar da ke tsakanin su biyun tana karuwa a kan lokaci, ma'ana tsawon lokacin da manufar dakile ta ke aiki. yawan mutanen da za a hana su samun arha bashi na yau da kullun.

The shaida daga cikin sabon binciken ya kuma nuna cewa, matasa, bashi, m-samun kudin shiga bashi, da bashi daga 'yan tsirarun al'ummomi za su fuskanci mafi girma korau tasirin. A cikin misali ɗaya, yayin da karɓar bashi ga dukan jama'a ya ragu da kashi 18 cikin 46, ya ragu da kashi 18 cikin 24 ga ƙananan masu bashi. Wani yanayin, gami da tasirin haɗari na ɗabi'a daga manufar murkushewa / gogewa, an sami damar samun bashi ga masu shekaru 90 zuwa 19 da aka rage da kashi 15% na ban mamaki. Irin wannan tasiri mai yaduwa a cikin rukuni guda ɗaya zai iya yin tasiri mai dorewa akan ikon su na samar da dukiya da gina dukiya - sananne kamar yadda Millennials suka yi gwagwarmaya a kan wannan gaba dangane da Gen-Xers da Boomers a lokaci guda. Ta hanyar samun kudin shiga, ya ragu da kashi 27% ga mafi ƙarancin ƙungiyar samun kudin shiga amma 17% don mafi girma - bambancin 23%. Ga membobin gidaje a fararen fata, yankunan da ba na Hispanic ba, ya ragu da kashi 25%, amma a yankunan da baƙar fata, ya ragu da kashi XNUMX%, kuma a yankunan Hispanic, ya ragu da kashi XNUMX%. 

Kusan shekaru ashirin na bincike na PERC ya mayar da hankali kan alhakin amfani da bayanai don faɗaɗa haɗar kuɗi. Wannan binciken ci gaba ne na wata farar takarda da ta gabata mai taken "Ƙari Ya Fi Kyau fiye da Ragewa: Hatsari daga Cire Bayanai da Fa'idodin Ƙara Ƙarin Bayanai Mai Kyau a Rahoton Kiredit." Ya sake nazarin binciken da aka yi a baya game da gogewar bayanai kuma ya gabatar da daidaitattun binciken da ke nuna cewa shafewar bayanan yana da illa ga masu karbar bashi. Ya bambanta da murkushewa/sharewa, binciken PERC ya gano cewa ƙara bayanan biyan kuɗi marasa kuɗi ga rahoton kiredit na mabukaci yana ƙara samun damar yin lamuni sosai don ganuwa bashi (musamman ƙananan masu samun kudin shiga, matasa da tsofaffi Amurkawa, ƴan tsiraru da baƙi).

Rahoton ya ba da shawarar ƙara tabbataccen bayanan biyan kuɗi (a kan lokaci) na telecoms, na USB da tauraron dan adam TV, da kamfanonin watsa shirye-shirye a cikin tsarin bayar da rahoton bashi, maimakon share bayanan biyan kuɗi mara kyau (marigayi). Haɗin bayanan tsinkaya ta hanyar tashoshi masu izini na iya taimakawa rage lalacewar bayanan fayil ɗin kiredit na gargajiya sakamakon cutar.

Shugaban PERC da Shugaba Dr. Michael Turner ya bayyana cewa, “Masu tsara manufofin Amurka sun cimma daidaito mai kyau tare da tanade-tanaden Dokar CARES—wanda ya yi aiki. Ci gaba, duk da haka, bincikenmu ya nuna dole ne su taka a hankali. ” Dokta Turner ya yi nuni da yuwuwar cewa mutanen da aka keɓe sakamakon dannewa/sharewa za su koma ga masu ba da lamuni masu tsada (shagunan pawn, masu ba da lamuni na ranar biya, masu ba da lamuni) don biyan buƙatun su na kiredit. "Muna tsammanin lokaci ya yi da Majalisa za ta yi aiki don inganta hada da madadin bayanai a cikin rahotannin bashi na mabukaci," in ji Turner.

The Society for Financial Education & Professional Development (SFE&PD) Wanda ya kafa kuma Shugaba Ted Daniels ya kara da cewa, "Rahoton PERC kan rahoton bashi ya ƙunshi bayanai masu matuƙar amfani saboda yana ba da cikakken bayani kan yadda matakan kawar da bayanan COVID-19 da aka gabatar a zahiri suna rage damar samun kuɗi ga masu siye, musamman. 'yan tsiraru. Bugu da ƙari, rahoton PERC ya nuna buƙatar yin gaskiya da cikakken bayyana duk bayanan kiredit - kamar ingantaccen bayanan biyan kuɗi na telecoms, USB da tauraron dan adam TV, da watsa labarai - cikin rahotannin bashi."  

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Avatar na Harry Johnson

Harry Johnson

Harry Johnson ya kasance editan aikin eTurboNews fiye da shekaru 20. Yana zaune a Honolulu, Hawaii, kuma asalinsa daga Turai ne. Yana jin daɗin rubutawa da bayar da labarai.

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