看板 Gossiping
作者 標題 Families Go Deep in Debt to Stay in the Middle Class 美國中產階級陷債務危機
時間 2019-08-02 Fri. 14:21:14
副標題:Wages stalled but costs haven’t, so people increasingly rent or finance what their parents might have owned outright 來自WSJ THE WALL STREET JOURNAL
薪水停滯但生活費沒有;因此人們可能直接尋租或融資他們父母擁有的不動產(?)(此段翻譯應是這樣?)
The American middle class is falling deeper into debt to maintain a middle-class lifestyle.
美國的中產階級為了維護生活水平,正陷入債務危機.
Cars, college, houses and medical care have become steadily more costly, but incomes have been largely stagnant for two decades, despite a recent uptick. Filling the gap between earning and spending is an explosion of finance into nearly every corner of the consumer economy.
汽車,大學學費,房地產,和醫療保險等費用穩定的上升;收入雖然最近好一點,但在過去的二十年卻大部的停滯,而就消費經濟整個面向來說,填補收入和花費這個鴻溝是一個爆炸性的財務危機.
Consumer debt, not counting mortgages, has climbed to $4 trillion—higher than it has ever been even after adjusting for inflation. Mortgage debt slid after the financial crisis a decade ago but is rebounding.
消費性債務,不算房地產抵押權(貸款),已經攀升到4兆美元,即使經調整通貨膨脹後也是達到最高點.房地產抵押權(貸款)在10年前的金融海嘯後有稍微降低(指房地美,房力美破產危機),但現在又回升.
Student debt totaled about $1.5 trillion last year, exceeding all other forms of consumer debt except mortgages.去年學貸來到約1.5兆美元,已超越除了不動產貸款之外的所有型態.
Unsecured personal loans are back in vogue, the result of competition between technology-savvy lenders and big banks for borrowers and loan volume.
信用貸款正在流行,這是因為科技型的融資公司和大銀行在爭取客戶與融資規模的結果.
The debt surge is partly by design, a byproduct of low borrowing costs the Federal Reserve engineered after the financial crisis to get the economy moving. It has reshaped both borrowers and lenders. Consumers increasingly need it, companies increasingly can’t sell their goods without it, and the economy, which counts on consumer spending for more than two-thirds of GDP, would struggle without a plentiful supply of credit.
債務的飆漲,一部份是故意規劃,FED聯準會在金融海嘯後的量化寬鬆(QE)注入資金來保持經濟動能,那樣就重塑了貸款者和融資者的關係, 消費者越來越需要貸款,而賣方沒有資金,也做不出產品.消費佔了美國GDP的2/3, 沒有融資的注入,將是困難重重.
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※ 作者: kevin1959 時間: 2019-08-02 14:21:14 (越南)
※ 看板: Gossiping 文章推薦值: 0 目前人氣: 0 累積人氣: 328
1樓 時間: 2019-08-02 14:34:19 (越南)
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+1
08-02 14:34 VN
現在的年輕人要敢於向外拓展,不論是就業或創業,但選擇去中國是最笨最懶惰的想法, 因你以為那裡同文同種,卻也是你被取代,被山寨,最沒安全感的地方.
4樓 時間: 2019-08-02 15:50:33 (越南)
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08-02 15:50 VN
補述Domonic Purviance, a senior financial specialist at the Federal Reserve Bank of Atlanta, said people earning the median income can no longer afford the median-priced new home, costing $323,000 last year, and barely have the means to buy the median existing home, which now about $278,000.Domonic Purviance 一個亞特蘭大聯邦銀行工作的資深財務專家說 中位數收入(年入$61,372)的家庭再也買不起中位數價值的新房子, 而且即使是價值中位數$278,000的中古屋 ,也幾乎負擔不起.
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