英國10%民衆一生欠債 習慣透支過日子

Young adults are most likely to be in debt in their current account, with 46 per cent of 20 to 29-year-olds going into the red in the past year One in 10 Britons is permanently overdrawn, a survey suggests. Researchers also found that 37 per cent have used their overdraft at least once during the past 12 months. Young adults are most likely to be in debt in their current account, with 46 per cent of 20 to 29-year-olds going into the red in the past year.

信用卡成爲目前都市人生活中必不可少的重要一部分，不管是日益攀升的房價，還是越來越多的“房奴”和“卡奴”，城裏人似乎越來越不幸福了。有專家用數字說明了“卡奴現象”，並警告這種趨勢必須引起社會的重視。據悉，在20到29歲的人羣中，有46%的人在去年信用卡透支“揹債過新年”。此外，在調查中的英國民衆中，有10%的人揹負着“永久卡奴”的桂冠，研究者還調查出，有37%的民衆在過去的12個月至少有一次透支記錄，透支以蝗蟲般的侵略速度在侵蝕着我們的生活。

Astonishingly, around 16 per cent of this age group have never managed to claw their way back into credit, according to research by . By contrast, only 18 per cent of the over-70s surveyed had used their overdraft at all in the past 12 months. Half of those surveyed said they would cut back on spending or dip into their savings to stop themselves from going into the red. Kevin Mountford, head of banking at , said: ‘Times are extremely tough for UK consumers so it's no surprise to see so many Britons living in their overdrafts.

‘The recent rises in the cost of living have made the habit of living in the red even harder to break for many consumers and we can expect to see many more people falling back into this position as living costs continue to increase. ‘However, it's good to see many people taking a more sensible approach by looking to cut back on spending or use their savings before going into their overdrafts.’Opinium Research questioned 2,050 people during February.

令人吃驚的是，根據網站的調查，在20到29歲年齡段的“卡奴”中，有16%的人竟然從未還債成功，一直欠債過日子。與之相反，有18%的老年人（70歲左右）在過去的12個月中做到了不欠債過日子。在調查這些信用度非常高的老年人後，專家瞭解到，這部分羣體的人在遇到透支問題的時候，寧可立即停止消費，或者求助自己的銀行存款來結束當前的“欠債危機”，他們是“打死也不做卡奴”的一個羣體。有專家Kevin Mountford說：“目前的形勢已經相當嚴峻了，特別對於英國的消費者的生存狀況來說，他們一直揹負卡債過日子，卻十分心安理得。這樣下去，”他還說道：“如今越來越高的物價讓大家都過得苦不堪言，也是讓更多的人寧肯心理不舒坦，也選擇欠債的生活方式。當然，也不是所有人都願意欠債生活的，當生活成本讓人不堪重負的時候，大家會回頭反思自己的生活方式，在自己能承受的範圍內削減生活開支，回到一種節儉的生活狀態。”