英国家庭可支配现金出现了8年来的最大降幅_风闻

【来源龙腾网】

正文原创翻译：

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

​英国家庭可支配现金出现了8年来的最大降幅

——季度研究发现，由于账单飙升和奥密克戎的影响，现金流受到了支出增加的打击

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

（家庭财务状况以2020年初以来最快的速度恶化）

新闻：

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.

英国家庭可用于支出的现金数量出现了近8年来的最大降幅，高通胀和不断上涨的能源账单导致生活成本危机恶化。

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.

根据苏格兰孤寡基金保险的一份报告，去年年底生活成本的增加使人们的口袋受到冲击，导致可支配现金出现了2014年初以来的最大降幅。

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

根据其季度家庭财务指数的最新读数，该机构表示，人们对2022年未来的财务状况越来越悲观。

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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.

这项由益普索·莫里和IHS Markit代表该保险公司对1500名个人进行的调查发现，在2021年的最后几个月，储蓄和可支配收入的压力加剧，两者的下降速度都超过了过去7年的任何时候。

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.

衡量家庭整体财务状况的该指数从第三季度的44下降到2021年第四季度的40.1，这是自新冠病毒首次传播的2020年第二季度以来的最低水平。该指数高于50时表明情况有所改善，而不是恶化。

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”.

英国皇家艺术学会的另一份报告称，年轻成年人是受生活成本危机影响最严重的群体之一，并警告称，通胀、学生债务和税收上涨对他们的财务造成的损害可能会造就新一代“不稳定人士”。

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.

根据该智库对1000名年轻人的调查，研究人员发现近一半（47%）的人每月都无法或勉强维持收支平衡，或者收入因不同的薪水而有很大差异。

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.

随着英国通胀率达到10年来的最高水平，大臣们面临着越来越大的压力，要求他们在英国消费者的天然气和电力价格预计将从4月起大幅上涨之前，在（改善）生活水平方面采取行动。

原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处

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.

英国皇家艺术学会的这项研究是健康基金会智库对年轻人健康进行调查的一部分，研究表明，那些生活在经济不稳定状况下的年轻人更有可能担心自己的身心健康。

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.

调查发现，只有41%的年轻人认为像他们这样的人有能力购买自己的房子，只有51%的人认为他们能赚到足够的钱养家。略超过半数（51%）的人表示，他们认为像他们这样的年轻人无法在退休后过上舒适的生活。

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.

研究人员表示，与其他年龄段的人相比，年轻人面临的压力更大，因为政府为23岁以下人群制定的“国家最低生活工资”低于每小时8.91英镑的总体水平。从4月起，23岁及以上人群的法定最低工资将提高到9.5英镑，而年龄较低的人群也将有所增加。

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.

英国皇家艺术学会还指出，政府正在考虑将学生贷款的偿还门槛从目前的27295英镑降低到22000英镑，这将会减少毕业生的收入。

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.

英国皇家艺术学会研究员、该报告的主要作者弗兰·兰德里斯·斯特朗说：“全英国的年轻人都面临着工作和社会保障不足、高水平的债务和不断上升的生活成本的‘有毒鸡尾酒’。

“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.”

“我们的研究表明，这导致越来越多的年轻人面临经济不稳定，这对他们的身心健康和对未来的信心产生了重大影响。如果不采取适当的行动，我们可能会创造出‘不稳定的一代’，他们无法为自己的未来投资，也无法自信地步入成年。”