数据分析揭示美国经济复苏情况

2014-09-15 12:18:51来源：可可英语

　　A worrisome ancillary finding shows that the percentage of American families with retirementaccounts of all types (IRAs, 401(k)s, Keoghs, etc.) slipped below 50% in 2013. This is likely notjust market fear, the economists noted, but part of the general jobs trend. Good high payingjobs tend to come with 401(k) options. Those are not the type being created in this country.For those with retirement accounts, the picture was rosier. The median value rose from $47,200in 2010 to $59,000 in 2013; the mean from $183,400 to $201,300.

　　另一个发现是，拥有退休金账户[包括任何类型的账户，如个人退休金账户(IRA)、401(k)账户、个体户退休金账户(Keoghs)]的美国家庭所占比例在2013年跌至50%以下，这让人感到担心。美联储经济学家指出，这可能不光是因为市场中的忧虑情绪，同时也是就业大趋势使然。高报酬的好工作往往会提供401(k)退休金方案，而美国出现的就业机会并不属于这种类型。对于拥有退休金账户的家庭来说，情况较好——他们的退休金账户价值中位数从2010年的4.72万美元提高到了2013年的5.9万美元，平均账户价值从18.34万美元上升到了20.13万美元。

　　Better news on consumer debt.

　　消费者负债情况好转。

　　Finally, although we may not be earning as much, at least we’re managing it a little bit better.How? By borrowing less. We’re paying down our credit card balances. Through 2013, we wereslower to take out new car loans (however, that activity has picked up in the past year). Andalthough student debt has indeed continued to grow, the economists point out that the peopletaking out the largest sums – the percentage of families with outstanding balances in the$50,000 to $100,000 range jumped from 6% in 2001 to 13% in 2013, those with balances of$100,000+ from 1% to 6% over the same time period – are doctors, lawyers and otherprofessionals who are likely to have the wherewithal to pay that money back, raising lessconcern over the long-run burden on families.

　　最后，尽管美国人的收入可能不如以前，但至少美国人对收入的管理稍有好转。怎么做到的?减少借贷。美国人降低了信用卡透支水平。在整个2013年，美国的新车贷款增速都较低(不过，车贷在过去一年中已经出现上升势头)。学生贷款确实仍在增长，负债5-10万美元的美国家庭所占的比重从2001年的6%升至2013年的13%，负债超过10万美元的家庭占比从1%增长到了6%。但美联储经济学家指出，贷款最多的人是医生、律师等职业人士，他们可能有能力偿还债务，这让美国家庭的长期债务问题看上去不是那么令人担心。

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