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《美高负债家庭面临升息之苦》由会员上传分享，免费在线阅读，更多相关内容在应用文档-天天文库。
1、每天前20名注册可获免费名师辅导学英语记词汇练口语真人一对一教学抢注网址：www.englishvip.com/wenkxd.htm《纽约时报》：美高负债家庭面临升息之苦(中文大意) 当美联储可能在四年多以来第一次升息，那些债务负担沉重的家庭已开始为如何应付债务加快增长而犯愁。 近年来，因美国利率较低，有上百万美国家庭在购买了房产的同时也积累起庞大的债务，他们现要对付利率的上升。他们多数相信本周三美联储将升息1/4个百分点，并在随后的18个月内稳步提息。数据显示美国人的负债程度创历史新高水平。第一季度，房屋抵押贷款、汽车信贷、信用卡透支负债等个人借款增加了9万亿美
2、元，是近4年来新增债务规模的40%。 但很多债务是固息的，只有1/5即价值1.8万亿美元的债务是浮息的，这部分债务受到联储调整基准利率的影响。如果联储本周升息1/4个百分点，那么美国家庭应付债务的支出将提高45亿美元，人均摊下来数字并不大，但是随着升息继续下去，中低收入家庭就要最先感受到升息的负担，因为研究表明这类家庭浮息债的规模最大。WiththeFederalReserveabouttoraiseinterestratesforthefirsttimeinfouryears,JoyceDiffenderferisbeginningtowonderhowshean
3、dherhusband,Curtis,willdeflectthegrowingcostoftheir$16,000increditcarddebt.Notthatherconcernisapressingissueyet;itismorelikeafiredrillinanticipationofafirethatsheisstillnotconvincedwilloccur.TheDiffenderfersfigurethatamodestrateincreasewouldinitiallyaddonly$35totheirmonthlycardpayments,
4、whichnowtotalmorethan$600.Still,theyhaverunoutofwaystosidestepthecostofborrowing,andiftherateskeeprising,astheFed'sleaderssuggesttheywill,thentheonlyalternative,Mrs.Diffenderfersaid,willbetoseriouslycutfamilyspending.TheDiffenderfersareamongthemillionsofAmericanfamilieswhorodetherecentw
5、aveoflowinterestratestohomeownershipandtherapidaccumulationofdebt,andnowtheymustcopeasratesbegintoswingupward.TheprocessisalmostcertaintobeginatameetingoftheFed'spolicymakersonTuesdayandWednesday.Theyarewidelyexpectedtoraiseratesaquarterofapercentagepointandfollowthatwithsimilarincrease
6、speriodicallyoverthenext18months."Unlessthereisasizablejumpinrates,let'ssaytwopercentagepointswithinayear,I'mnotgoingtothinkmuchaboutit,"saidMrs.Diffenderfer,47,whoearns$14anhourfieldingcustomercallsatKunzler&Company,amanufacturerofsausagesandfrankfurtersinthissouthernPennsylvaniaindust
7、rialcityonthefringeofAmishcountry.洛基国际英语竭诚为您服务每天前20名注册可获免费名师辅导学英语记词汇练口语真人一对一教学抢注网址：www.englishvip.com/wenkxd.htm"Lessthantwopercentagepointswecanhandlejustbynoteatingoutasmuch,"shesaid,swivelingherchairawayfromhercomputerforaninterviewlateintheday,afterthephonecallsdieddown.Her
