美国消费者信贷意外下降，2024年以来首次出现下滑，因循环信贷减少。

　　美联储周三公布的数据显示，5月消费者未偿信贷总额减少约1.82亿美元，此前两个月均大幅增加。接受彭博调查的经济学家预估中值为增加175亿美元。

　　信用卡等循环信贷余额减少53亿美元，为2024年以来最大降幅。汽车贷款和学生贷款等非循环信贷5月增加51亿美元。该报告不包括抵押贷款。

　　近几个月来，家庭支出保持韧性，尽管伊朗战争引发的油价冲击推高了物价，汽油价格涨幅尤其明显。数据显示，在消费者信贷创三年多来最大连续两月增幅后，美国人开始偿还部分债务。

　　近期汽油零售价下降已经让消费者变得更乐观，并可能在未来几个月带来一些缓解。尽管如此，预计短期内成本仍将居高不下，在一系列行业中，通胀继续超过薪资涨幅。

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