US Consumer qiv tau mus txog cov ntaub ntawv siab

Cov neeg siv khoom Asmeskas tau txais nuj nqis ntau dua li qhov qub. Qhov nyuam qhuav tso tawm Federal Reserve Consumer Credit-G.19 tsab ntawv ceeb toom qhia tau hais tias US cov neeg siv khoom credit zoo tshaj tau mus txog qib keeb kwm; Cov neeg siv khoom credit zoo tam sim no yog $ 4.7 trillion. Nyob rau lub Yim Hli, cov neeg siv khoom siv credit tau nce ntxiv raws caij nyoog hloov pauv txhua xyoo ntawm 8.3 feem pua. Qhov nce yav dhau los hauv Lub Xya Hli yog 6.%.

Cov theem ntawm cov neeg siv khoom tam sim no qhia tias Tsoom Fwv Teb Chaws Reserve nce tus nqi tsis tau ua rau cov neeg siv khoom qiv qis. Thaum cov neeg siv khoom qiv nyiaj poob qis hauv lub xyoo tam sim tom qab 2007 - 2009 nyiaj txiag teebmeem, txij li lub quarter thib ob ntawm 2011 txog rau lub quarter thib ob ntawm lub xyoo no, cov neeg siv khoom credit tau nce 90%.

Nyob rau lub Yim Hli, cov credit tsis hloov pauv, uas feem ntau muaj xws li tsheb, tub ntxhais kawm, thiab qiv tus kheej, tau nce ntawm tus nqi txhua xyoo ntawm 5.1 feem pua. Qib no yog kwv yees tsis hloov txij lub Xya Hli.

Revolving credit, txawm li cas los xij, tau nce ntau ntawm tus nqi txhua xyoo ntawm 18.1 feem pua; Kev hloov pauv credit suav nrog daim npav rho nyiaj, cov kab vaj huam sib luag hauv tsev ntawm credit (HELOC), thiab qiv nyiaj rau tus kheej thiab kev lag luam me. Txawm hais tias kev them nyiaj lig thiab kev ua tsis raug cai, txog tam sim no zoo li tswj hwm, kuv qhov kev txhawj xeeb yog tias nrog kev nce nyiaj nce ntxiv, cov nyiaj qiv rov tuaj yeem yog qhov teeb meem tseem ceeb rau cov neeg siv khoom Asmeskas, vim lawv cov nqi qiv nyiaj nce. Qhov teeb meem no yuav sib xyaw yog tias cov nyiaj poob haujlwm pib nce ntxiv.

Cov tsev txhab nyiaj yuav tshaj tawm cov nyiaj tau los rau lub lim tiam tom ntej thaum Lub Kaum Hli 14th. Cov tsev txhab nyiaj zoo li yuav tshaj tawm cov nyiaj khwv tau los tsis muaj zog vim kev lag luam tsis hloov pauv thiab qeeb hauv kev nqis peev hauv tuam txhab lag luam. Hauv kev tshaj tawm cov nyiaj tau los, qhov tseem ceeb uas yuav tsum tau saib yog cov cuab yeej cuab tam zoo hauv cov tsev txhab nyiaj cov nyiaj tshuav. Ua tib zoo saib seb cov nyiaj qiv tsis ua haujlwm (NPLs) tau nce thiab qib suav rau cov nyiaj qiv nyiaj poob qis. Cov ntaub ntawv no yuav ua rau kev lag luam qhia txog seb puas muaj cov neeg siv khoom txaus siab yuav tsum txhawj xeeb peb.