摩登:年輕一代開始愛上存錢這件事兒
When it comes to saving, no age-group has experienced a bigger change of heart than young adults.
談到存款，沒有哪個年齡段的人比現在年輕的成年人在思想上經歷了更大起伏。Measures of saving rates among young adults under 35 show they're suddenly saving a whole lot more. According to Moody's Analytics, one measure, the four-quarter moving average of the saving rate of young adults -- which smoothes out volatility -- started dropping in the late 1990s and hit roughly -15% in 2006 -- before climbing higher during the 2008 global financial crisis and its economic aftermath to over 5%. It's now around 2% or 3%, as of the third quarter of 2012.
衡量35歲以下成年人儲蓄率的指標顯示，他們突然開始瘋狂存錢。據經濟研究機構Moody's Analytics統計，年輕人儲蓄率的四季度移動均值從上世紀90年代末開始下滑，2006年達到負的15%左右，隨後在2008年全球金融經濟危機期間有所攀升，一度突破5%。截至2012年第三季度，年輕人儲蓄率四季度移動均值約爲2%或3%。該指標在一定程度上消除了波動性影響。No other age group has seen so violent a turn from borrowing to saving. ( See related article.) Sure, people between 35 and 44 also increased saving during the recession, but their about-face wasn't as dramatic. Young people now save roughly as much as people 35 to 44 -- and nearly as much as those between 45 and 54.
其他年齡段就沒有出現如此強烈的從借錢到儲蓄的態度變化。當然，35歲至44歲的人在經濟不景氣的時候也增加了儲蓄，但他們的態度轉變沒有這麼劇烈。年輕人目前在存錢方面與35歲至44歲年齡段差不多一樣，甚至接近45歲至54歲年齡段的人。
The trend suggests the recession may have made some young people more 'risk averse,' economists' jargon for less willing to take risks by, say, borrowing. It's likely that many young people are having a harder time getting credit, especially those with super- high student-loan burdens. But young adults are also seeing their incomes fall, and generally make less money than older people. So they may now -- post financial crisis and recession -- find themselves less able to service debt. That, in turn, may reduce their demand for credit.
這個趨勢表明，經濟衰退可能令一些年輕人的“避險情緒”增加。這是經濟學家使用的術語，指不太願意通過借款等方式承擔風險。一種可能的解釋是，很多年輕人目前獲得貸款的難度有所增加，特別是那些揹負着超高學生貸款的年輕人。而同時，年輕成年人的收入也有所下降，整體來看他們賺的錢不如年齡較大的人多。如今，在金融危機和經濟衰退過後，他們可能會發現自己的償債能力減弱了，而這反過來又會影響他們的貸款需求。'Younger households were significantly dis-saving -- aggressively borrowing -- prior to the recession, but they are now saving at a healthy rate,' said Mark Zandi, economist at Moody's Analytics.
Moody's Analytics的經濟學家贊迪(Mark Zandi)說，年輕家庭在經濟衰退之前曾非常反對儲蓄，他們會大量借錢，但如今他們的儲蓄率處在一個健康的水平上。'I think this clearly shows a significant increase in the risk aversion of younger households given the economic nightmare of the downturn and weak recovery,' he adds. 'It is unclear how long this heightened risk aversion will last, but I suspect the last few years will have an indelible impact on how younger households think about their finances.'
贊迪還說：我認爲這明確顯示，面對經濟低迷和復甦乏力的噩夢，年輕家庭的避險情緒明顯增加。他說：不清楚這種加劇的避險情緒會持續多長時間，但我懷疑過去幾年對於年輕家庭的財務觀會產生不可磨滅的影響。
