美国消费者信贷增长低于预期 受循环信贷下降拖累

格隆汇
Oct 08
美国8月消费者信贷增长低于预期,受到循环信贷创近两年来最大降幅的拖累。美联储周三公布的数据显示,8月消费者信贷余额增加83亿美元,为三个月来最小增幅;7月增幅经修正后为177亿美元。彭经济学家预估中值为增加150亿美元。该报告不包括住房按揭贷款。信用卡及其他循环信贷余额减少48亿美元,为2024年11月以来最大降幅。购车贷款和学费贷款等非循环信贷8月增加131亿美元。行业数据显示,8月汽车销量升至去年4月以来最快水平。尽管物价高企,美国消费者仍保持强劲支出,为经济增长提供支撑。不过,薪资增速已经放缓,个人储蓄率处于四年低点。低收入家庭以及仍有信用卡欠款的消费者面临的压力最为明显。美联储消费者信贷报告显示,截至8月,需要支付利息的信用卡账户平均利率为22.36%,为一年来最高水平。商业银行发放的60个月期新车贷款年利率为7.54%。

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