美国消费者7月债务增长超250亿美元
Vince Golle与彭博社
2024-09-11
Photo Illustration by Juliane Sonntag/Photothek via Getty Images
今年7月，美国消费者借贷创下自2022年11月以来的最大增幅，非循环债务和信用卡余额均有所增加。
美联储周一公布的数据显示，美国未偿信贷总额增长了255亿美元。这远远超出了彭博社调查的经济学家们的预测。这些数据并未根据通胀情况进行调整。
包括信用卡在内的未偿循环债务增加了106亿美元，为五个月来的最大增幅。汽车贷款和学费等非循环信贷，在一年多时间里增长了148亿美元。
借贷增加帮助推动零售销售在7月份实现了自2023年年初以来的最大涨幅。其中包括机动车销售增长。
然而，如果消费者变得更加谨慎，更高的信用卡欠款和高利率贷款可能对消费产生负面影响。预计美联储的政策制定者将在下周迈出下调基准利率的第一步，但他们的措施要经过一段时间之后，才能降低消费者的财务成本。
纽约联邦储备银行（New York Fed）上个月的报告显示，第二季度逾期消费者债务总额的占比为3.2%，而新逾期的汽车贷款和信用卡欠款的占比在持续上升。
逾期至少30天的未偿汽车贷款比例，为2010年以来的最高水平。新逾期的信用卡负债占比增至9.05%，为约12年来的最高水平。（财富中文网）
译者：刘进龙
审校：汪皓
今年7月，美国消费者借贷创下自2022年11月以来的最大增幅，非循环债务和信用卡余额均有所增加。
美联储周一公布的数据显示，美国未偿信贷总额增长了255亿美元。这远远超出了彭博社调查的经济学家们的预测。这些数据并未根据通胀情况进行调整。
包括信用卡在内的未偿循环债务增加了106亿美元，为五个月来的最大增幅。汽车贷款和学费等非循环信贷，在一年多时间里增长了148亿美元。
借贷增加帮助推动零售销售在7月份实现了自2023年年初以来的最大涨幅。其中包括机动车销售增长。
然而，如果消费者变得更加谨慎，更高的信用卡欠款和高利率贷款可能对消费产生负面影响。预计美联储的政策制定者将在下周迈出下调基准利率的第一步，但他们的措施要经过一段时间之后，才能降低消费者的财务成本。
纽约联邦储备银行（New York Fed）上个月的报告显示，第二季度逾期消费者债务总额的占比为3.2%，而新逾期的汽车贷款和信用卡欠款的占比在持续上升。
逾期至少30天的未偿汽车贷款比例，为2010年以来的最高水平。新逾期的信用卡负债占比增至9.05%，为约12年来的最高水平。（财富中文网）
译者：刘进龙
审校：汪皓
US consumer borrowing increased in July by the most since November 2022, reflecting jumps in non-revolving debt and credit-card balances.
Total credit outstanding increased $25.5 billion, according to Federal Reserve data released Monday. The gain exceeded all forecasts in a Bloomberg survey of economists. The figures aren’t adjusted for inflation.
Revolving debt outstanding, which includes credit cards, increased $10.6 billion, the most in five months. Non-revolving credit, such as loans for vehicle purchases and school tuition, surged $14.8 billion in more than a year.
The increase in borrowing helped fuel the biggest jump in retail sales during the month since early 2023. That included a pickup in purchases in motor vehicles.
However, carrying bigger credit-card balances and loans with high interest rates poses a risk to spending should consumers become more guarded. While Fed policymakers next week are seen taking the first step in reducing their benchmark rate, it will take time for their actions to filter through into cheaper financing costs for consumers.
A New York Fed report last month showed that while the share of overall consumer debt in delinquency held at 3.2% in the second quarter, the share of auto and credit-card loans that were newly delinquent continued to creep higher.
The share of auto loan balances that became at least 30 days delinquent was the largest since 2010. The share of credit card debt that was newly delinquent rose to 9.05%, the most in about 12 years.
