美国信用卡债务飙升至1140亿美元,美国银行首席执行官就“耗尽”美国消费者发出警告

币界网Опубліковано о 2024-08-18Востаннє оновлено о 2024-08-18

币界网报道:

美国最大的银行之一警告称,美国消费者疲软,美国人持有的家庭债务比以往任何时候都多。

根据纽约联邦储备银行的一份报告,美国信用卡债务刚刚达到1.14万亿美元。

总体而言,美国人现在的学生贷款、抵押贷款、信用卡和房屋净值循环债务比历史上任何时候都多。

美联储表示,

2024年第二季度,家庭债务余额总额增加了1090亿美元,比2024年第一季度增长了0.6%。余额目前为17.80万亿美元,自2019年底疫情衰退前以来增加了3.7万亿美元。”

来源:纽约联邦储备银行

美联储还报告称,第二季度信用卡、汽车贷款和抵押贷款的拖欠过渡率略有上升,约4.9%的消费者在其信用上有第三方收款账户。

在债务负担增加的情况下,消费者似乎也在经历放缓。

在福克斯商业频道的一次新采访中,美国银行首席执行官约翰·莫伊尼汉表示,该行的消费者基础目前的支出是去年的一半,这表明消费者正在“枯竭”。

“好吧,在我们每周消费6000万客户的消费者群体中,你看到的是,他们今年的消费增长率比去年同期增长了约3%,到目前为止,7月和8月的增长率约为3%。这是去年同期增长率的一半。因此,消费者已经放缓。他们的账户里有钱,但他们正在消耗一点。他们有工作,他们在赚钱,但如果你看一看,他们真的已经放缓了。

因此,美联储必须小心,不要放慢太多。目前,他们的支出水平与17、18、19年的支出水平一致,通货膨胀率较低,经济增长更为正常。”

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