美媒：60%的美国消费者成“月光族” 高负债是主因之一

Many workers are living paycheck-to-paycheck, with about one in three citing debt as one of the main reasons why, according to a PYMNTS study. 60% of survey respondents reported living paycheck-to-paycheck.

知名在线支付行业媒体PYMNTS的调查显示，60%的美国人都是“月光族”，其中三成受访者表示自己所负债务是“月光”的主要原因之一。

Household debt has hit $17.5 trillion in the fourth quarter of 2023, the Federal Bank of New York found. Credit card debt makes up a large portion of that with balances reaching $1.13 trillion.

纽约联邦储备银行的数据显示，美国家庭债务在2023年四季度已经高达17.5万亿美元。其中，信用卡债务就达到了1.13万亿美元。

The average credit card debt owed is about $7,931, compared to about $6,320 in 2022, according to a New York Life report. And consumers are finding it difficult to make higher credit card payments. About a quarter of respondents to the New York Life report paid less toward their credit cards in 2023.

纽约人寿的一份报告显示，2023年美国人均信用卡欠款为7931美元，相比2022年的6320美元进一步增加。与此同时，消费者也发现难以进一步提高信用卡额度。约四分之一的受访者在2023年减少了信用卡支付金额。

"Gen Zers ranked credit card debt as the second most impactful factor on their finances in 2023 behind inflation," said Donn Froshiesar, New York Life head of consumer insights.

纽约人寿消费者洞察部主管唐·弗洛西萨表示，美国Z世代认为信用卡债务是影响自身2023年财务状况的第二大因素，仅次于通货膨胀。

Since consumers are having a more difficult time making a dent in their credit card debt, delinquency rates are going up. In 2023, 8.5% of credit card balances entered delinquency, a Federal Bank of New York report found.

由于消费者无力偿还信用卡，拖欠率也上升了。纽约联邦储备银行的报告发现，2023年有8.5%的信用卡账单逾期未还。

Consumers saw other loans enter delinquency last year at a higher rate as well. About 7.7% of auto loans transitioned into delinquency.

其他贷款的拖欠率也在上升，2023年约有7.7%的汽车贷款逾期未还。

All age groups saw delinquencies increase, but younger borrowers saw the highest increase.

调查显示，美国所有年龄段消费者的贷款拖欠率都有所上升，但是年轻消费者的贷款拖欠率上升幅度最大。