Wednesday, July 15, 2009

要物品的

失業率上升、存款減少、房價下跌,但令人驚訝的是美國人現在感受到的債務壓力反而減輕,這要歸功於樂觀思考,以及人們存更多錢、削減開支和減少債務,以對抗經濟衰退。

美 聯社和GfK公司的最新民調顯示,今年與債務有關的壓力比2008年減輕12%。去年有33%的民眾至少「有點擔心」無法清償債務,今年降到27%。「總 是或大部分時間擔心」債務的比率,也從去年的24%減少到19%。「幾乎不曾為債務發愁或完全不擔心」的比率,則從去年的41%增加到47%。

主要原因是更多人樂觀地認為,自己最終可以擺脫債台高築的困境。分析研究結果的美聯社顧問、研究心理學家拉弗拉卡斯說:「人們現在樂觀的認為最糟的情況已經過去。」

這一波二次世界大戰以來歷時最久的經濟衰退,促使美國人採取一些步驟讓自己的財務狀況更好,形成新的節約風氣。5月的存款率提高到1993年12月以來最高的6.9%,存款金額高達7688億元,是1959年1月以來最多。

該民調也發現,即使沒錢也要用信用卡購買想要物品的比率減少到19%,低於去年的25%。

部分人士認為,這股節約風會持續到衰退結束之後。此外,美國人今年也不用像去年一樣面對屢創歷史紀錄的汽油價,去年秋天出現危機的信用和金融問題,現在也似乎趨緩。

但諷刺的是,部分消費習慣改變可能導致全美經濟壓力加劇,特別是消費者更加省吃儉用。如果美國人大幅削減開支,可能使衰退延長,使經濟在今年復甦的希望破滅。

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