Overdue student loan debt has grown to a record $2.37 billion – with $2.2b of that owed by overseas borrowers – most of whom are based in Australia. Photo / Melissa Nightingale
题图：逾期学生贷款债务已增长到创纪录的 23.7 亿纽币——其中 22亿纽币由海外借款人所欠——其中大多数位于澳大利亚。照片 / 梅丽莎·南丁格尔
The Inland Revenue Department has doubled the size of its team responsible for chasing down overseas-based student loan debt and is taking more legal action in both New Zealand and Australia.
【澳纽网编译】税务局已将其负责追讨海外学生贷款债务的团队规模扩大了一倍，并在新西兰和澳大利亚采取了更多法律行动。
Overdue student loan debt has grown to a record $2.37 billion – with $2.2b of that owed by overseas borrowers – most of whom are based in Australia.
逾期学生贷款债务已增长到创纪录的 23.7 亿纽币——其中 22亿纽币由海外借款人所欠——其中大多数位于澳大利亚。
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Only 29% of all overseas student-loan borrowers met their repayment obligations in the past 12 months.
在过去 12 个月中，只有 29% 的海外学生贷款借款人履行了还款义务。
Inland Revenue was allocated $116m in this year’s Budget to bolster compliance and enforcement, with some of that ring-fenced specifically for overdue student loan debt. The rest of the funding is being used across other areas of the tax system including cryptocurrency, trusts, the so-called hidden economy and organised crime.
税务局在今年的预算中获得了 1.16亿纽币的拨款，以加强合规性和执行，其中一些专门用于逾期学生贷款债务。其余资金用于税收系统的其他领域，包括加密货币、信托、所谓的隐藏经济和有组织犯罪。
IRD’s marketing and communications group manager Andrew Stott said young people heading overseas might not be aware their student loan debt was accruing interest and it could help set them up for “a bad track record of managing debt”.
IRD 的营销和传播小组经理 Andrew Stott 表示，前往海外的年轻人可能不知道他们的学生贷款债务正在累积利息，这可能有助于他们为 “管理债务的不良记录” 做好准备。
However, most of the debt was owed by people in their 40s or 50s who had never got around to repaying IRD.
然而，大部分债务是由 40 多岁或 50 多岁的人所欠的，他们从未来得及偿还 IRD。
“It’s a big problem.” “这是一个大问题。”
Debt collection agencies in the UK and Australia were helping to track some people down.
英国和澳大利亚的收债公司正在帮助追踪一些人。
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英国的收债公司正在帮助追踪一些人。图片 / 123RF
About 7000 names had been shared with an Australian debt agency in the first quarter of this year and as a result about 1000 people were now repaying some or all of their debt.
今年第一季度，大约有 7000 个名字被分享给一家澳大利亚债务机构，因此现在大约有 1000 人正在偿还部分或全部债务。
“And that’s a big step up from past years.”
“这比过去几年迈出了一大步。”
IRD was also in touch with the Australian tax office which will share contact details for those living in Australia.
IRD 还与澳大利亚税务局取得了联系，该局将分享居住在澳大利亚的人的联系方式。
“Most of it is about contact and negotiation… Once we’re in contact with people we tend to come to good outcomes and that’s where the data sharing with the Australian tax office is useful.”
“大部分是关于接触和谈判……一旦我们与人接触，我们往往会得到很好的结果，这就是与澳大利亚税务局共享数据有用的地方。
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For “the worst cases” Inland Revenue will take action through the courts to try and have money deducted from people’s wages or salaries while they are working across the Tasman.
对于“最坏的情况”，税务局将通过法院采取行动，试图从人们在塔斯曼海工作时的工资或薪水中扣除这笔钱。
Kiwis returning to New Zealand with a debt of more than $1000 could expect to hear from IRD.
债务超过 1000纽币返回新西兰的新西兰人可能会收到 IRD 的消息。
Previously, the department only had the resources to follow up about a quarter of those people, now it was resourced to make contact with all of them.
以前，该部门只有资源来跟进其中大约四分之一的人，现在它有资源与他们所有人取得联系。
It can be escalated in some situations. There is a list of 150 people who IRD would seek arrest warrants for if they returned to the country, Stott said. This would mean they would be unable to leave the country again if they had not negotiated about their debt.
在某些情况下，它可以升级。斯托特说，有一份包含 150 人的名单，如果他们返回该国，IRD 将寻求逮捕令。这意味着如果他们没有就债务进行谈判，他们将无法再次离开该国。
The amount they owed, the length of time and a total lack of engagement were among reasons people could be red-flagged.
他们欠款的金额、时间长短和完全缺乏参与度是人们可能被标记为危险的原因之一。
About 10,000 of the 110,000 Kiwis who owed money returned to the country in any year, he said.
他说，在 110,000 名欠款的新西兰人中，每年约有 10,000 人返回该国。
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“Some of the interest will reduce if they start setting up an arrangement to pay the outstanding debt over time. We want to be helpful, we talk about the various options they’ve got to pay from overseas.”
“如果他们开始安排随着时间的推移支付未偿债务，一些利息将减少。我们想提供帮助，我们讨论他们必须从海外支付的各种选择。
Passport applicants could also find they could be hearing from the IRD.
护照申请人也可能发现他们可能会收到 IRD 的消息。
“So there’s a whole range of ways that we try to get in touch with people who overstep.”
“因此，我们尝试通过多种方式与越界者取得联系。”
Stott said Inland Revenue was given an extra $4 million in this year’s Budget for the work with the expectation of a four to one return expected, and eight to one next year.
斯托特说，税务局在今年的预算中获得了额外的 400 万纽币用于这项工作，预计预计回报率为 4 比 1，明年为 8 比 1。
From July to September it collected $60m worth of overseas-based debt which was 50% better than the same period last year.
从 7 月到 9 月，IRD收回了价值 6000 万纽币的海外债务，比去年同期增长了 50%。
Having an expanded team able to put more effort into finding people and social media searches (including LinkedIn) were among the tools IRD could use, he said.
他说，拥有一支扩大的团队，能够投入更多精力来寻找人和社交媒体搜索（包括 LinkedIn）是 IRD 可以使用的工具之一。
Inland Revenue was also using property transaction data, and had clear information on whether properties were owned by individuals, a company or a trust.
税务局也在使用房产交易数据，并清楚地了解房产是归个人、公司还是信托所有。
“We have launched hundreds of audits in the last quarter on property speculators and developers.
“我们在上个季度对房地产投机者和开发商发起了数百次审计。
“We’ve launched hundreds of audits on people who used to pay rental income and no longer do so despite the fact we can see they still own multiple properties.”
“我们已经对那些曾经支付租金收入但现在不再支付的人进行了数百次审计，尽管我们可以看到他们仍然拥有多处房产”。
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IRD had been in touch with 200 business owners who owned several properties, sometimes through trusts, and they were being told IRD would no longer be “cutting them much more slack” if they failed to pay money they owed.
IRD 已经与 200 名拥有多处房产的企业主取得了联系，这些房产有时是通过信托持有的，他们被告知，如果他们不支付欠款，IRD 将不再“大大减少他们的负担”。
Those people owed more than $14 million and within a month more than $10m had been repaid or was under arrangement.
这些人欠下超过 $1400 万纽币，并且在一个月内已偿还或正在安排超过 1000万纽币。
Of 2000 audits undertaken in the first quarter, 10% involved the country’s largest businesses, Stott said.
斯托特说：”在第一季度进行的 2000 次审计中，10% 涉及全国最大的企业。“
“So we spend a lot of focus at the big end of town.”
“因此，我们把大量精力放在了大型企业上。”
Liquor stores, vape stores, nail salons and hairdressers are also under scrutiny because IRD believed cash income was not being declared.
酒类店、电子烟店、美甲店和理发店也受到了审查，因为 IRD 认为这些店没有申报现金收入。
“We’ve been doing unannounced visits to all these places. … They’re generally been pretty happy to see us because they’ll tell us about their competitors who they think are doing dodgy things and that gives us some more information to go on.”
“我们一直在对所有这些地方进行暗访。… 他们一般都很高兴见到我们，因为他们会告诉我们他们的竞争对手，他们认为这些竞争对手在做一些不正当的事情，这给我们提供了更多的信息”。
来源： RNZ
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