Connect with us
Advertisement
Advertisement

Politics

Development Bank ‘not a guaranteed solution’

Published

on

A NEW report by a think tank has assessed the potential of a public development bank for Wales to boost lending to firms and promote economic development locally.

The report by the Public Policy Institute for Wales describes evidence that ‘bank branch closures are having a negative impact on individuals and businesses in Wales, but more specific research is need to ascertain what impact bank branch closures is having on individuals and communities. Finding out the extent to which vulnerable areas are affected by bank branch closures can also help identify which specific services can be provided in the future.’

The report states: “However, even the most extensive public banking model, opening community banks would not be able to replace the branches that have been closed in Wales in recent years.”
On ways to protect banking services it comments: “A public development bank is potentially useful option, but not a guaranteed solution.”

Plaid Cymru Mid and West AM Simon Thomas said: “We need action from Governments in Westminster and Wales on bank branch closures.

“It is unacceptable that the bank network is being stripped from rural Wales. We cannot have a gap in the banking services available to rural and urban Wales.

“Plaid Cymru’s Westminster leader Liz Saville Roberts has called for a change in the law to protect the last bank in town. We are now seeing often in our communities from Llandysul to Llanidloes towns left without a bank.

“While bank branches are expensive to maintain and are used by fewer people in the past they are still an important resource. The report highlights research by the Federation of Small Businesses that bank branch closures affect small businesses in rural communities, as they are more likely to require cash purchases than in urban areas.

“High street banks have a duty to consult effectively with the local community over closures. While banks are private companies making commercial decisions, in effect access to banking is essential for modern life and participating in democracy.”

“The Labour Government in Cardiff Bay should be looking at how other financial institutions like Finance Wales and credit unions have a role to play. Other ways to protect banking services for small businesses and individual customers like developing the services provided by the Post Office will be hampered by the closure programme of successive Westminster governments of different political colours.”

The report identifies problems with lending to small and medium sized businesses, automation has made banks more geographically and operationally distant from small businesses.

Bank closures contribute to this problem according to the Federation of Small Businesses.

Mike Cherry, FSB National Chairman, said: “The rapid pace of bank branch closures across the UK presents some very real and tough challenges for small businesses. FSB members highly value the face-to-face interaction they receive in-branch, particularly when making complex financial transactions, with staff who often have a greater understanding of their business and the local economy. In addition, many of our members deal heavily in cash and cheques and need access to over-the-counter banking facilities on a regular basis.

“Small businesses are keen to embrace the opportunities of the digital economy. However, barriers towards digital inclusion, such as unreliable broadband connectivity, and a lack of confidence in using digital services creates serious challenges. These are some of the reasons which explain why the protection of in-branch banking is so important for financial inclusion.”

Large banks were three times more likely to shut a branch in Wales than in London and the south east of England, and five of the top ten areas affected by the 600 branch closures in Britain in 2015-2016 were in Wales – Powys, Denbighshire, Gwynedd, Conwy, and Carmarthenshire.

The FUW is particularly concerned as internet banking is not always an option in rural areas; many people will not have an appropriate internet connection- if they have a connection at all, and especially the elderly may not be familiar with IT and the process of doing their banking online.

Speaking earlier this summer, FUW President Glyn Roberts said: “The closure of rural banks has a detrimental effect on rural areas, as they serve not only villages and small towns but many of the neighbourhoods in surrounding areas, as well as providing employment to local people.

“Closures are a great loss to residents and local businesses, particularly the elderly or residents who are unable to travel to the nearest town. The closures will of course also affect small businesses, as they will have to travel further afield for their banking needs.
“In addition, internet banking is not always an option in rural areas; many people will not have an appropriate internet connection if they have a connection at all, and especially the elderly may not be familiar with IT and the process of doing their banking online.
“For many telephone banking is impractical, as they prefer to deal with their personal finances on a one-to-one basis and mobile banking is limited in many rural areas. It is worth considering as well that some people may not be able to get to mobile banks during the short time they are present in villages.
“With more and more rural services and businesses being closed down, we must also acknowledge that it is becoming less and less attractive for young families and indeed business owners to remain in the countryside.
“If the problem of rural depopulation is not addressed with some urgency it could have severe consequences for our rural communities and with that also our rural economy.
“It is clear that if we want to ensure that Wales develops its full potential in being a rural economic powerhouse, we must make it attractive for working families to stay and also encourage vital services like business banking to remain available in our countryside.
“The provision of acceptable broadband services is an increasingly critical part of meeting the needs of rural Wales.”

A report from the British Infrastructure Group found nearly a quarter of Welsh constituencies appear in the worst 20 constituencies in the whole of the UK for broadband speed.

 

Politics

Pembrokeshire National Trust car park schemes approved

Published

on

PLANS for three solar-powered parking meters at National Trust south Pembrokeshire beauty spots have been given the go-ahead by the national park.

In an application to Pembrokeshire Coast National Park, the National Trust, through agent Mott Macdonald Ltd, sought permission for replacement solar-powered parking meters, along with associated infrastructure including an Automatic Number Plate Recognition (ANPR) camera, at Broad Haven, Stackpole Quay, and Bosherston Lily Ponds carparks.

An officer recommending approval said it was intended to install a Solar Strada S5 Terminal parking meter at Broad Haven Carpark, an Automatic Number Plate Recognition (ANPR) camera and Solar Strada S5 Terminal at Stackpole Quay carpark, and a Solar Strada S5 Terminal parking meter at Bosherston Lily Ponds.

It added: “As there was a previous level of visual intrusion caused by the existing infrastructure, the proposed parking fee terminals are considered unlikely to exacerbate the existing level of visual impact caused by the existing pay and display terminals.

“The proposed installation of the solar parking fee terminals at Broadhaven, Stackpole Quay and Bosherston Lily Pond carpark and the ANPR camera at Stackpole Quay carpark are considered to be well designed in terms of scale, siting, visual amenity and biodiversity.”

The application for the three units was conditionally approved by park planners.

 

Continue Reading

News

Eluned Morgan targets Haverfordwest as Welsh Labour fights to hold its ground

Published

on

A HAVERFORDWEST teaching assistant became the quiet centrepiece of Welsh Labour’s manifesto launch — and, in doing so, revealed a party focused less on momentum than on damage limitation in towns like ours.

Eluned Morgan’s manifesto launch speech was meant to speak to the whole of Wales. But tucked inside it was a telling local calculation.

When the Welsh Labour leader told delegates about a teaching assistant in Haverfordwest who had “never voted in her life” but would now back Labour because of a pay rise, it was no throwaway line.

In political terms, it was no throwaway line. Morgan was invoking a voter from the very constituency battleground where Labour needs reassurance to cut through.

After years in power, Welsh Labour knows it cannot simply rely on habit, loyalty or anti-Tory feeling to carry it over the line. It needs to reconnect with lower-paid working people in towns like Haverfordwest — voters who may still support parts of Labour’s record, but are increasingly doubtful that life in Wales is getting better.

That is why Morgan’s speech mattered.

Far from sounding like a leader marching confidently towards victory, she sounded like someone trying to hold together a delicate coalition of public sector workers, traditional Labour supporters and anxious voters tempted by change, but wary of the alternatives.

The tone was revealing from the outset.

This was not a speech built on triumph. It was built on caution.

Morgan spoke of pressure on families, pressure on public services and pressure on her own party. She acknowledged that many voters feel something “isn’t quite right” and said people want “a little more certainty” and “a little less dread”.

That is not the language of a party taking victory for granted. It is the language of a party that knows it must steady nervous voters before polling day.

In that sense, the Haverfordwest example was politically shrewd.

Teaching assistants and school support staff are not just another part of the workforce. They are exactly the sort of voters Labour needs to keep onside — public-facing, often modestly paid, rooted in their communities and living the everyday pressures politicians talk about so freely.

By highlighting a Haverfordwest worker who had never voted before, Morgan was trying to tell a wider story: that Welsh Labour can still reach the ordinary voter who feels overlooked, underpaid and unconvinced by politics in general.

But there was another message buried in the anecdote.

Labour is plainly worried about disengagement.

A voter who has “never voted in her life” is useful in a speech not just because she is newly supportive, but because she represents a wider problem for all parties — the sense that many people have drifted away from politics altogether.

Morgan knows frustration with government in Cardiff Bay is real, especially after long-running complaints over NHS access, stretched public services, transport and the cost of living. Her answer was not to offer excitement, but reassurance.

That came through again and again.

She promised there would be no rise in income tax. She attacked “easy promises” and “slogans”. She said she would not “gamble” with people’s lives. She framed the election not as a call for upheaval, but as a choice between seriousness and protest.

In plain terms, Labour is trying to turn this election into a referendum on risk.

That is often what governing parties do when they sense frustration in the electorate, but hope voters remain more cautious about the opposition.

It also helps explain why west Wales featured so prominently in the speech.

Morgan promised a new hospital for west Wales as part of a wider NHS building programme. She also pledged that patients would be able to access a primary healthcare professional within 48 hours if they had a problem that could not wait.

Those lines will have landed strongly in Pembrokeshire, where concern over health services has become one of the most potent and emotional issues in local politics.

But they also expose Labour’s weakness.

After decades as the dominant force in Welsh politics, Labour is still having to promise basic improvements in areas where public frustration is already deepest. Voters may welcome those pledges, but many will also ask why, after all this time, they are still being asked to wait.

That is the central tension in Morgan’s speech.

She wants to campaign as both the agent of improvement and the guardian of stability. She is asking people to believe Labour can fix problems that have grown on Labour’s watch, while also arguing that nobody else can be trusted to take over.

It is not an impossible argument. But it is a difficult one.

For readers in Pembrokeshire, perhaps the most revealing thing about the speech is not just what it promised, but what it exposed.

It exposed a Welsh Labour leadership that knows west Wales matters.

It exposed a party that sees lower-paid workers and public service staff as central to its survival.

And it exposed a leader who understands that this election is not being fought on favourable ground.

The repeated slogan was “fairness you can feel”.

But the speech itself suggested something more hard-headed than hopeful.

Welsh Labour is no longer campaigning like a movement expecting gratitude. It is campaigning like a government asking voters, however frustrated they may be, not to take a chance on anything else.

 

Continue Reading

News

Trail hunting consultation opens as debate grows in Pembrokeshire

Published

on

Animal welfare groups back proposed ban, while supporters of country sports warn against further pressure on rural traditions

THE UK GOVERNMENT has opened a public consultation on plans to ban trail hunting in England and Wales, setting up a fresh debate in rural areas including Pembrokeshire, where hunting remains part of the social calendar for some communities.

Ministers say the move would deliver a Labour manifesto pledge and help close what campaigners describe as loopholes in the law. The consultation is seeking views from the public, landowners, hunt organisers, local authorities, conservation bodies, businesses and animal welfare groups on how a ban should work in practice and whether wider changes to hunting law may also be needed.

Trail hunting was introduced after the Hunting Act 2004, with organisers saying it involves hounds following an artificially laid scent rather than a live animal. Opponents argue it has too often been used as a cover for illegal hunting, while supporters say it is a lawful countryside activity which should not be swept away by politics.

The Hunt Saboteurs Association and the League Against Cruel Sports have both welcomed the consultation, saying it gives the public a chance to support stronger protections for wildlife and prevent further loopholes from being exploited.

But countryside groups have hit back, arguing that the proposals could have serious consequences for rural communities, jobs and long-standing local traditions. The Countryside Alliance has urged supporters to respond, saying those who understand country life must not allow others to shape the outcome unchallenged.

The issue is likely to attract strong views in Pembrokeshire, where country sports still have a loyal following. The Cresselly Hunt, one of the best-known local hunts, continues to hold regular trail hunts and social events, underlining how closely the subject is tied to local rural identity as well as national legislation.

That means any attempt to tighten the law is unlikely to be seen locally as a simple animal welfare measure. For many in west Wales, it will also be viewed through the lens of heritage, land management and concern that rural voices are being overlooked by decision-makers.

The consultation does not itself change the law, but it is the clearest sign yet that legislation is being prepared. With ministers now formally gathering evidence and public opinion, both supporters and opponents of hunting are expected to campaign hard over the coming weeks.

 

Continue Reading

News14 hours ago

St Davids Cathedral marked Easter Sunday with full day of worship

FROM dawn vigil to choral evensong, the cathedral welcomed worshippers for one of the most important days in the Christian...

Crime15 hours ago

Neyland man spared immediate jail over aggravated vehicle taking

Defendant given a suspended prison sentence after magistrates heard the offence was serious enough to cross the custody threshold KRISTIAN...

Health1 day ago

Crumbling NHS faces £1bn repairs bill in Wales

Senedd election promises collide with the harsh reality of ageing hospitals, fire safety concerns and a maintenance crisis stretching across...

News2 days ago

Emergency services respond to incident in Haverfordwest town centre

EMERGENCY SERVICES were called to an incident in Haverfordwest town centre on Saturday morning (Apr 4), with police and ambulance...

News2 days ago

Teenager intervenes after bridge incident

A TEENAGER was left shaken after stepping in to help a young woman in distress on Clay Lanes bridge in...

Crime4 days ago

Driver spared jail after crash killed young couple

A PEMBROKE DOCK driver who caused the deaths of a young couple in a road crash has been given a...

Entertainment4 days ago

BBC unveils major new Welsh dramas with Tenby set for prime-time spotlight

New crime series Old Town Murders and supernatural thriller The Witch Farm will both be filmed and set in Wales...

Health4 days ago

No jobs for new paramedics in Wales as graduates told to apply for technician roles

Students trained at public expense urged to take lower-grade jobs as anger grows over NHS workforce planning NEWLY qualified paramedics...

News5 days ago

Health minister refuses to act on Withybush despite 15,000-signature petition

Senedd pressure grows as Welsh Government declines to intervene over surgery fears THE WELSH GOVERNMENT has refused to step in...

Business5 days ago

Fishguard to Wexford rail tunnel plan backed by Elon Musk firm

Six-hour London to Dublin service proposed in £32bn project ahead of Senedd election PLANS for a rail tunnel linking west...

Popular This Week