We know that it is a difficult time for anybody running a business to sustain their employees and pay salaries while revenues are decreased or even gone. Our clients come to discuss what to do to cope with this unprecedented economic crisis since the Great Depression.
在这个新冠疫情的非常时期，如何在收入降低甚至于几乎为零的状态下支撑员工雇佣并且支付员工薪水成了所有经营者都要面对的难题。我们的客户也前来探讨如何应对这次未曾预期的经济危机，而这样的经济危机几乎是上世纪30年代的经济大萧条之后未曾有过的。
The answers may be different to each client who are all in a different industry or have different business structure. But I presume that there should be general rules that can apply to everybody. One of them is to hold enough cash by getting a loan. You may not need it for now but who knows how long this coronavirus disaster will last.
对于不同行业或者不同商业结构的客户来说，可能答案是不尽相同的。但是，我认为有一些共通的方法可以适用于所有行业。其中之一就是，通过贷款来保证手头有充足的现金。你可能现在并不需要用贷款的现金，但是没有人可以预知这次新冠疫情可以持续多久。
There is great news that the government announced a broad package to protect national employment by covering the major part of the cost.
这里有一个好消息就是，日本政府宣布了负担大部分雇佣经费的一系列政策来保护国家的雇佣关系。
Employers have to pay 60% of their wages if employees are put on hold for a company reason. The Japanese government will cover 67% of the pay for large companies and 80% for SMEs (75% for big companies and 90% for SMEs if they don’t fire employees).
政策内容就是，因为公司原因而被裁员的员工，公司需要支付他们60%的薪水。而对于这60%的薪水，如果是大公司，日本政府将会负担其中的67%，如果是中小公司，日本政府将会负担80%。（如果公司没有开除员工的话，政府将会负担大公司的75%，中小公司的90%）
The good point is that it is not limited only to employees who are covered by Employment Insurance but it covers employees who are not enrolled to the insurance as well.
更好的一点是，这项政策不仅针对有雇佣保险的员工，而且也针对没有加入雇佣保险的员工。
The requirement that one has to be enrolled for more than 6 months is also lifted.
以前的必须加入雇佣保险6个月以上的条件也被解禁了。
The conditions are:
1) The sales have to be decreased by 5% or more.
2) A plan has to be submitted within the period between Jan 24 to June 30th. (it is allowed to submit even after lay-off takes in place.)
申请条件如下：
1) 销售额同比减少5%及以上。
2) 申请计划必须要在1月24日到6月30日之间提交。（即使是已经裁员之后也可以申请提交）