COVID-19疫情期間加拿大政府援助中小企業資源匯總

Small and medium-sized businesses are the backbone of the Canadian economy. During this extraordinary time, the Government of Canada is taking strong action to help Canadian businesses as COVID-19 is affecting them, their employees and their families.

中小企業是加拿大經濟的重要組成部分。在此非常時期，加拿大聯邦政府正採取堅強措施幫助受到COVID-19疫情影響的加拿大企業以及他們的員工、家庭。

The Government and public health officials are urging all Canadians to:

聯邦政府及公共衛生官員敦促所有加拿大人：

• stay home unless it is absolutely essential to go out

除非絕對必要，盡量留在家中不要外出；

• practice social distancing and good hygiene

保持社交距離及良好衛生（包括與他人相隔兩米、經常洗手、咳嗽或打噴嚏時用紙巾或手肘遮擋、不用未洗的手接觸眼、鼻、嘴等）。

For businesses, this means:

對於企業，以上意味着：

• facilitating flexible and remote work arrangements

推行彈性及遠程工作安排；

• preparing your workplace for COVID-19

工作場所做好應對疫情準備；

• understanding how to keep your employees safe

清楚如何確保員工安全。

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Four key considerations for businesses 四個主要支持

1. Support for employees  員工支持

2. Support for businesses   企業支持

3. Business travel and events  商務旅行及活動

4. Business in international markets   國際市場

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1. Support for employees 員工支持

No Canadian should have to worry about losing their job, paying their rent or putting food on the table because of COVID-19. That’s why the Government is:

所有加拿大人都不應因為疫情擔心丟失工作、無法支付房租或缺少食物，這也是為什麼聯邦政府:

• waiving the one-week waiting period and the requirement for a medical certificate for employment insurance (EI) sickness benefits to provide immediate support for workers in quarantine

免去申請EI保險所需的一周等待期及醫學證明要求，以立即幫助隔離中的員工；

• temporarily boosting Canada Child Benefit payments to ensure working families have enough money to support their kids

臨時提高加拿大兒童福利金，確保工薪家庭有足夠資金能夠照顧子女；

• introducing an Emergency Support Benefit to provide support to workers facing unemployment who are not eligible for EI

為即將失業又沒有EI保險的員工提供緊急支援福利；

• extending the tax filing deadline to June 1, 2020

將個人報稅時間延長至2020年6月1號；

• and much more  以及其它更多相關措施。

2. Support for businesses 企業支持

Canada’s strong fiscal position means we are well positioned to respond to challenges such as COVID-19.

加拿大強勁的財政狀況意味着我們可以很好應對類似COVID-19的疫情。

Canada’s coordinated approach to supporting the economy and the financial sector includes the Governor of the Bank of Canada cutting the interest rate to 0.75% and the Superintendent of Financial Institutions announcing an additional $300 billion in lending capacity by the major banks.

加拿大支持經濟及金融行業的措施包括中央銀行將利率降低到0.75%，金融機構監管部門宣布各大銀行將增加$3000億的貸款能力。

No employer should feel like they have to lay off a worker in the face of COVID-19. To further support businesses and their employees, the Government has announced:

僱主不應覺得因為疫情必須裁減員工，因此為更好支持企業以及僱員，聯邦政府宣布：

• enhancing the Work-Sharing program to support employers and their workers who are experiencing a downturn in business

加強Work-Sharing項目以支持困難時期的僱主和員工（Work-Sharing是一個類似EI失業保險的項目，用以幫助僱主在經營困難時期無需裁員，需要僱主、員工、政府三方共同達成協議申請，詳情可以點擊以上鏈接查看）；

• a new Business Credit Availability Program to make more than $10 billion available to Canadian businesses in financing and credit insurance solutions through:

通過加拿大兩家公有銀行：商業發展銀行(BDC)及出口發展銀行(EDC)推行一個新的“商業信貸投放項目“，為加拿大企業提供金融及信用保險方面共$100億加元的支持（如想申請需要先聯繫有業務往來的銀行，包括五大銀行及HSBC, National Bank, Desjardins, Laurentian Bank，然後通過以上銀行聯繫BDC和EDC)；

• • Export Development Canada (EDC)
  • the Business Development Bank of Canada (BDC)
• the Canada Revenue Agency will defer tax payments until August 31, 2020, to help businesses with cash flow

加拿大稅務局將稅款繳納時間延長到8月31號以減輕企業現金流負擔（具體如下：個人報稅時間延長到6月1號，稅款繳納時間從平常的4月30號延長到8月31號；自雇或配偶自雇稅款繳納時間同樣延長到8月31號；企業利潤所得稅Income Tax稅款如果繳納時間在3月18號至8月31號內，統一延長到8月31號。截止日期8月31號前繳納無須支付任何利息或罰款）；

• immediate relief for small businesses with a 10% wage subsidy for the next 90 days, up to a maximum of $1,375 per employee and $25,000 per employer

為小企業提供未來90天內10%的員工工資補助，每名員工最多 $1,375，每家企業最多$25,000（該補助僅通過減少3月18號至6月20號之間員工工資的稅務局供款remittance實現）；

• a new Emergency Care Benefit of up to $900 biweekly for up to 15 weeks for self-employed people and others who are not eligible for EI sickness benefits

為自雇及其它不符合資格申請EI人士提供最多15周，每兩周最高$900的緊急關懷補助（因為疫情生病、隔離、照顧疫情病人或者照顧兒童無法工作且不能申請EI方符合資格，可通過稅務局的My Account賬號網上申請，詳情請點擊以上鏈接查看）；

• increased credit available to farmers and the agri-food sector through Farm Credit Canada

通過加拿大農場信貸項目為農場主及 農業行業增加信貸支持。

Assistance for tourism operators, small businesses or organizations 援助旅遊業者、小企業及組織

If you are a tourism operator, a small business or an organization affected by COVID-19 and need pressing assistance, the regional development agencies (RDAs) could assist you with access to federal funding and services.

如果您是旅遊業者、小企業或小組織受疫情影響需要緊急援助，地區發展局 (RDAs)可以幫助您獲得聯邦資金和服務。

Contingency plans 應急計劃

It is also vital for Canadian businesses to have contingency plans in place to manage potential financial risk. The Canadian Chamber of Commerce has developed a comprehensive preparedness guide for businesses in the face of COVID-19.

用於管理潛在財務風險的應急計劃對加拿大企業來說非常重要，加拿大商會為面臨疫情威脅的企業開發了一份全面的應對指南。

The Canadian Federation of Independent Business is also providing information to help businesses through these difficult times.

加拿大獨立商業聯盟也提供相關信息以幫助企業度過難關，可以點擊以上鏈接了解詳情。

3. Business travel and events 商業旅行及活動

The Government is advising Canadians to:

加拿大政府建議國民應該：

• avoid non-essential travel outside of Canada until further notice

避免非必要的出國旅行，直至另行通知；

• if outside of Canada, return home and self-isolate for 14 days

如果在加拿大境外， 安排回國並自我隔離14天

To help bring Canadians home, the Government has created the COVID-19 Emergency Loan Program for Canadians Abroad.

為幫助境外的加拿大人回國，聯邦政府已經為身處海外的加拿大人設立了緊急貸款項目。

When it comes to business conferences and events, the Government is advising against large gatherings of people.

如果參加商業會議及活動，政府建議避免大規模人群聚集。

4. Business in international markets 國際市場

Canada and the United States are temporarily restricting all non-essential travel across our border. Essential travel will continue unimpeded to preserve supply chains between both countries and ensure that food, fuel and life-saving medicines reach people on both sides of the border.

加拿大及美國已經臨時禁止所有非必要跨境旅行，但兩國間為保證食物、油料、藥物等必需品供應的運輸不受影響。

The Trade Commissioner Service has experts in 160 cities worldwide who can provide small businesses with market-specific insights and guidance to help you mitigate the impacts of COVID-19, as well as access to funding to help you in global markets.

加拿大政府在全球160個城市設有貿易專員服務可以幫助小企業了解當地市場、減輕疫情影響及獲得資金開拓全球市場。