英國家庭可支配現金出現了8年來的最大降幅_風聞

【來源龍騰網】

正文原創翻譯：

UK households suffer biggest fall in available cash in eight years

-Cashflow hit by rising expenses amid surging bills and impact of Omicron, finds quarterly study

​英國家庭可支配現金出現了8年來的最大降幅

——季度研究發現，由於賬單飆升和奧密克戎的影響，現金流受到了支出增加的打擊

(Households’ financial wellbeing has deteriorated at the fastest rate since early 2020.)

（家庭財務狀況以2020年初以來最快的速度惡化）

新聞：

UK households have suffered the sharpest fall in the amount of cash they have available to spend for almost eight years, amid a worsening cost of living crisis driven by high inflation and rising energy bills.

英國家庭可用於支出的現金數量出現了近8年來的最大降幅，高通脹和不斷上漲的能源賬單導致生活成本危機惡化。

According to a report by the insurer Scottish Widows, increasing living costs at the end of last year hit people’s pockets and led to the steepest decline in cash availability since the start of 2014.

根據蘇格蘭孤寡基金保險的一份報告，去年年底生活成本的增加使人們的口袋受到衝擊，導致可支配現金出現了2014年初以來的最大降幅。

It said people were increasingly pessimistic about their future finances in 2022, according to the latest reading from its quarterly household finance index.

根據其季度家庭財務指數的最新讀數，該機構表示，人們對2022年未來的財務狀況越來越悲觀。

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The poll of 1,500 individuals, compiled by Ipsos Mori and IHS Markit on behalf of the insurer, found that pressure intensified on savings and disposable income in the final months of 2021, with both declining quicker than at anytime in over the past seven years.

這項由益普索·莫里和IHS Markit代表該保險公司對1500名個人進行的調查發現，在2021年的最後幾個月，儲蓄和可支配收入的壓力加劇，兩者的下降速度都超過了過去7年的任何時候。

The index, which measures households’ overall perceptions of financial wellbeing, fell from 44 in the third quarter to 40.1 in the final quarter of 2021, the lowest reading since the second quarter of 2020 when Covid-19 first spread. A figure above 50 signals an improvement as opposed to a deterioration.

衡量家庭整體財務狀況的該指數從第三季度的44下降到2021年第四季度的40.1，這是自新冠病毒首次傳播的2020年第二季度以來的最低水平。該指數高於50時表明情況有所改善，而不是惡化。

It comes as a separate report from the Royal Society for Arts said young adults were among the hardest hit by the cost of living crisis, in a warning that the damage to their finances from inflation, student debt, and rising taxes risked creating a new “generation precariat”.

英國皇家藝術學會的另一份報告稱，年輕成年人是受生活成本危機影響最嚴重的羣體之一，並警告稱，通脹、學生債務和税收上漲對他們的財務造成的損害可能會造就新一代“不穩定人士”。

According to a survey of 1,000 young adults by the thinktank, researchers found almost half (47%) were unable or just about managing to make ends meet each month, or had an income that varied significantly from paycheck to paycheck.

根據該智庫對1000名年輕人的調查，研究人員發現近一半（47%）的人每月都無法或勉強維持收支平衡，或者收入因不同的薪水而有很大差異。

With inflation at the highest level in a decade, ministers are coming under growing pressure to act on living standards ahead of an expected sharp increase in gas and electricity prices for British consumers from April.

隨着英國通脹率達到10年來的最高水平，大臣們面臨着越來越大的壓力，要求他們在英國消費者的天然氣和電力價格預計將從4月起大幅上漲之前，在（改善）生活水平方面採取行動。

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According to the RSA study, carried out as part of an inquiry by the Health Foundation thinktank into young people’s health, those living in financially precarious situations were far more likely to be worried about their mental and physical health.

英國皇家藝術學會的這項研究是健康基金會智庫對年輕人健康進行調查的一部分，研究表明，那些生活在經濟不穩定狀況下的年輕人更有可能擔心自己的身心健康。

It found that just 41% of young people believed others like them would ever be able to buy their own home, and only 51% thought they would ever earn enough to support a family. Just over half (51%) said they thought young people like them would not be able to retire and live comfortably when the time comes.

調查發現，只有41%的年輕人認為像他們這樣的人有能力購買自己的房子，只有51%的人認為他們能賺到足夠的錢養家。略超過半數（51%）的人表示，他們認為像他們這樣的年輕人無法在退休後過上舒適的生活。

The researchers said young adults risked a tougher squeeze than other age groups as the government’s “national living wage” for under-23s was lower than the headline rate of £8.91 an hour. The legal pay floor will go up to £9.50 from April for those aged 23 and over, while there will also be increases for those in younger age brackets.

研究人員表示，與其他年齡段的人相比，年輕人面臨的壓力更大，因為政府為23歲以下人羣制定的“國家最低生活工資”低於每小時8.91英鎊的總體水平。從4月起，23歲及以上人羣的法定最低工資將提高到9.5英鎊，而年齡較低的人羣也將有所增加。

The RSA also noted that the government was considering lowering the repayment threshold on student loans to £22,000 from £27,295 at present, which would have the effect of reducing incomes for graduates.

英國皇家藝術學會還指出，政府正在考慮將學生貸款的償還門檻從目前的27295英鎊降低到22000英鎊，這將會減少畢業生的收入。

Fran Landreth Strong, an RSA researcher and lead author of the report, said: “Young people across the UK face a toxic cocktail of inadequate work and safety nets, high levels of debt, and a rising cost of living.

英國皇家藝術學會研究員、該報告的主要作者弗蘭·蘭德里斯·斯特朗説：“全英國的年輕人都面臨着工作和社會保障不足、高水平的債務和不斷上升的生活成本的‘有毒雞尾酒’。

“Our research shows that this results in a worrying number of young people facing financial precarity, with significant impact on their mental and physical health and their confidence about the future. Without proper action, we risk creating a ‘generation precariat’, unable to invest in their futures and move confidently into adulthood.”

“我們的研究表明，這導致越來越多的年輕人面臨經濟不穩定，這對他們的身心健康和對未來的信心產生了重大影響。如果不採取適當的行動，我們可能會創造出‘不穩定的一代’，他們無法為自己的未來投資，也無法自信地步入成年。”