美国人开始变穷！家庭净资产一季度下跌5000亿美元
坏消息接连不断，美联储关于美国金融账户的最新报告显示，美国家庭总资产净值在连续七个季度上涨后首次下降。
具体来说，从1月到3月，美国家庭总资产净值下降了0.5万亿美元，即5000亿美元，下降至149.2万亿美元。
随着股市进入熊市，美国人的身价低于六个月前的水平也就不足为奇了。由于华尔街第一季度的糟糕表现，美国家庭直接和间接投资的公司股票价值下跌。
美联储表示，如果不是因为房地产市场火爆，美国家庭的损失会更加惨重。美联储写道：“家庭资产负债表上股票价值大幅下降3万亿美元，部分被房地产价值的上涨所抵消。”这是因为家庭资产净值增加了1.6万亿美元和高储蓄率弥补了股票的大幅下跌。
道琼斯指数和标准普尔500指数在本季度均下跌了约5%，而且因为科技股遭到重创，纳斯达克指数的跌幅更大，下跌了9%。
美联储还指出，全国范围内的债务正在增加。
家庭债务在第一季度增长了8.3%，达到18.3万亿美元。抵押贷款债务和非抵押信用卡债务也有所增长。国内非金融企业债务和联邦政府债务也出现增长。唯一出现下降的是州和地方政府债务，下降了3%。
随着经济刺激计划和政府救济在高通胀时期开始时停止，美国家庭的财富开始缩水。随着美国人动用新冠肺炎疫情时期的积蓄，美国人今年平均比去年少存15%的退休基金。美联储报告称，美国人的个人储蓄仍高于疫情前。
贷款机构LendingClub的一份报告显示，约61.3%的美国人过着月光族的生活。这一数字比去年增长了9%。《华盛顿邮报》（Washington Post）指出：“由于政府救济被撤回和工资减少，富裕阶层仍然能挥霍钱财，而低收入阶层的家庭支出却在减少。”
但正如首席执行官们警告经济衰退一样，这一消息对于那些努力维持生计的家庭来说并不是一个好兆头，因为家庭要面对更加动荡的市场带来的挑战。（财富中文网）
译者：中慧言-王芳
坏消息接连不断，美联储关于美国金融账户的最新报告显示，美国家庭总资产净值在连续七个季度上涨后首次下降。
具体来说，从1月到3月，美国家庭总资产净值下降了0.5万亿美元，即5000亿美元，下降至149.2万亿美元。
随着股市进入熊市，美国人的身价低于六个月前的水平也就不足为奇了。由于华尔街第一季度的糟糕表现，美国家庭直接和间接投资的公司股票价值下跌。
美联储表示，如果不是因为房地产市场火爆，美国家庭的损失会更加惨重。美联储写道：“家庭资产负债表上股票价值大幅下降3万亿美元，部分被房地产价值的上涨所抵消。”这是因为家庭资产净值增加了1.6万亿美元和高储蓄率弥补了股票的大幅下跌。
道琼斯指数和标准普尔500指数在本季度均下跌了约5%，而且因为科技股遭到重创，纳斯达克指数的跌幅更大，下跌了9%。
美联储还指出，全国范围内的债务正在增加。
家庭债务在第一季度增长了8.3%，达到18.3万亿美元。抵押贷款债务和非抵押信用卡债务也有所增长。国内非金融企业债务和联邦政府债务也出现增长。唯一出现下降的是州和地方政府债务，下降了3%。
随着经济刺激计划和政府救济在高通胀时期开始时停止，美国家庭的财富开始缩水。随着美国人动用新冠肺炎疫情时期的积蓄，美国人今年平均比去年少存15%的退休基金。美联储报告称，美国人的个人储蓄仍高于疫情前。
贷款机构LendingClub的一份报告显示，约61.3%的美国人过着月光族的生活。这一数字比去年增长了9%。《华盛顿邮报》（Washington Post）指出：“由于政府救济被撤回和工资减少，富裕阶层仍然能挥霍钱财，而低收入阶层的家庭支出却在减少。”
但正如首席执行官们警告经济衰退一样，这一消息对于那些努力维持生计的家庭来说并不是一个好兆头，因为家庭要面对更加动荡的市场带来的挑战。（财富中文网）
译者：中慧言-王芳
In a continuation of bad news, the Federal Reserve’s latest report on the Financial Accounts of the United States announced that the total household net worth fell for the first time after seven straight quarters of expansion.
Specifically, it fell by $0.5 trillion, or $500 billion, to $149.2 trillion in the quarter that ran from January through March.
As stocks flirt with a bear market, it’s no surprise that Americans are worth less than they were six months ago. This occurred mostly due to the decrease in the value of corporate equities that households invested in directly and indirectly, set off by Wall Street’s bad first quarter.
If not for the hot housing market, the Fed said, the damage would have been even worse. “A sizable $3 trillion decline in the value of stocks on the household balance sheet was partially offset by an increase in the value of real estate,” the central bank wrote, as a $1.6 trillion gain in household equity and a high rate of saving made up for the huge decline in equities.
The Dow and S&P 500 indexes each fell by around 5% in the quarter, and the Nasdaq tanked even harder, by 9%, as tech stocks got routed.
The central bank also noted that debt is increasing nationwide.
Household debt has increased to $18.3 trillion, up by 8.3% in the first quarter. Mortgage debt and non-mortgage credit card debt rates also grew. Domestic nonfinancial business debt and federal government debt grew. The only thing dropping is state and local government debt, by 3%.
As the stimulus checks and government assistance stopped just as a period of high inflation kicked off, households started to lose wealth. Chipping away at their pandemic-era savings, the average American saved about 15% less this year than last in retirement funds. Still, Americans continue to have higher personal savings than pre-pandemic, as the Federal Reserve reports.
About 61.3% of Americans are living paycheck to paycheck, according to a report by loan issuer LendingClub. This represents a 9% increase since last year. The wealthy are still able to splurge while lower-income households spend less since government assistance and higher wages were pulled back, as pointed out by the Washington Post.
But as CEOs warn of a recession, this news does not bode well for families struggling to remain afloat, as households meet the challenges of a more volatile market.
