2018第N扎!近六成中国年轻人没存款…
最近,真是好(huai)消息不断,一波一波涌来,那就让暴风雨来得更猛烈些吧!小伙伴们,准备好接受另一波生活的暴击了吗
Only 44% of Chinese aged 18-34 have started saving for retirement, according to a survey report by Ant Fortune and US asset management firm Fidelity International.
据蚂蚁财富和美国资产管理公司富达国际联合发布的一份报告显示,中国18-34岁的年轻人中,仅有44%人已经开始储蓄。
这份2018《中国养老前景调查报告》指出,千禧一代(译者注:指1982年至2000年间出生的人群)的年轻人认为,至少需要163万才能过上舒适的老年生活。
Among young people who have not started saving, 40% plan to start at the age of 40. They also hope to retire at 57 — meaning they would have 17 years to achieve their saving goals.
在还没有开始准备养老储蓄的年轻人中,40%的人计划开始储蓄的平均年龄是 40岁,距离理想的退休年龄57岁,只有17年的时间来储备资产。
However, young Chinese save an average of CNY1,339 per month,regardless of inflation and income changes, and based on the bank interest rate of 1.75%, it would take them about 60 years to save CNY1.63m.
而开始存款的这些年轻人中每月平均储蓄仅为1339元,不考虑通货膨胀和收入变化,按照银行利率1.75%计算,需要60年左右才能存够163万元。
超半数受访者表示,希望使用现金存款和政府养老金作为主要退休收入来源。
The findings are based on a survey of 28,440 respondents on the Ant Fortune platform, with 95% of respondents coming from China's first to fourth tier cities, and 75% being young people aged between 18-34. Ant Fortune is the wealth management app of Alibaba-affiliated Ant Financial Services.
此次调查样本为28440位蚂蚁财富用户,95%的受访者来自中国一至四线城市,75%的受访者为年龄介于18至34岁之间的年轻人。蚂蚁财富是阿里巴巴旗下蚂蚁金融服务集团的财富管理应用程序。
调查显示,各年龄群体预期的平均退休年龄为58岁,在不考虑投资的基础上 ,调查对象认为他们每人至少需要有182万元的养老存款。
Overall, 54% of respondents said they had not started saving for retirement. According to the survey data, only 5% of the respondents believe that they will get support from their children in their retirement years.
54%的调查对象承认他们并未开始为养老而存钱。从调查数据来看,只有5%的受访对象认为他们能在晚年得到子女的支持。
In addition, 67% of respondents said they have little or no knowledge of pensions, and nearly one third have no retirement savings targets.
此外,67%的受访者表示对养老金基本不了解或是完全不了解,接近三分之一的人完全没有退休储蓄目标。
Strong reliance on the government-run basic pension and cash savings to fund retirement, and a lack of knowledge of retirement investment strategies, were found to be prevalent among millennials and non-millennials.
严重依赖社会基本养老和现金存款作为退休收入来源,对养老投资策略缺乏了解的情况并不仅仅在年轻人中普遍存在。同样,其他年龄群体的调研反馈也反映出了类似问题。
一线城市生活成本过高
为什么没有存款,还不是生活成本太高啊……
The cost of living in China's first-tier cities is now among the highest in the world, according to a survey by consulting company Mercer.
根据咨询公司美世的一项调查,中国一线城市的生活成本目前是世界上最高的。
▲《2018全球生活成本排名》
Hong Kong has passed Luanda to take the top spot as the world’s most expensive city for expatriates. Shanghai and Beijing ranked 7th and 9th respectively on the list, while Shenzhen and Guangzhou took 12th and 15th places.
香港已经超过罗安达,成为全球派遣成本最昂贵的城市。在城市生活成本排名中,上海和北京分别排在第7位和第9位,而深圳和广州分别排在第12位和第15位。
The survey includes more than 375 cities throughout the world and measures the comparative cost of more than 200 items in each location, including housing, transportation, food, clothing, household goods and entertainment.
该调查涵盖了全球375个城市,并衡量了各个城市和地区200多个项目的比较成本,包括住房、交通、食品、服装、日用品和娱乐。
有人总结了“北漂”的生活成本
近期爆出房租上涨过快,感觉存款这事儿更凉凉了
Statistics released by Qingdao-based real estate information website creprice.cn showed that almost all first-tier cities saw rent increases in July. Average rents in Beijing rose by 2.63 percent on a monthly basis in July to 92.33 yuan ($13.5) per month per square meter, while in Shanghai the rates increased by about 1.32 percent.
总部位于青岛的房地产信息网站中国房价行情网发布的数据显示,7月份几乎所有一线城市的房租都出现了上涨。7月北京房租均价增长了2.63%,达到每平方米92.33元,上海的房租则上涨了约1.32%。
A white-collar worker who did not wish to be named and is currently living in Beijing told the Global Times that currently her rent accounts for about 30-40 percent of her salary.
现居北京的一位不愿透露姓名的白领在接受环球时报采访时表示,眼下房租已经占到她工资的30%-40%。
她说:“房租这么高,物价也在上涨,我买东西时都要精打细算。如果房租不到工资的30%,我就能多买点服饰。”
Such hopes seem to be slim, as her apartment's public rental price increased by 400 yuan in June compared with the end of 2017.
这个希望看上去很渺茫,6月她所租住的公寓租金已经比去年年底涨了400元。
Chen Yuefeng, founder of retail news website lingshouke.cn, said that the rising rents have caused Chinese consumers to "vote against" consumption.
零售业资讯网站“灵兽网”创始人陈岳峰表示,不断上涨的房租令中国消费者开始抵触消费。
"They have a sense of uncertainty for the future, so they tend to control their consumption whether they have the money to spend or not," Chen told the Global Times on Wednesday, adding that the government could launch measures to crack down on excessive rent increases so as to boost consumption.
陈岳峰22日向环球时报表示:“他们对未来感到迷茫,所以不管有钱没钱,都选择控制消费。”他补充道,政府可以出台措施遏制疯涨的房租,以刺激消费。
Ten housing agents recently released about 120,000 apartments into the Beijing rental market to ease the fluctuating rent situation, according to a report by Beijing Business Today on Monday. The Beijing News reported on Wednesday that after opening a tip-off hotline on Tuesday, Beijing housing authorities issued fines to 23 agencies for illegal activities including price gouging and coercing tenants.
据《北京商报》20日报道,日前北京10家房屋租赁机构向市场投放了12万套房源,以缓解市场波动。《新京报》22日报道称,21日举报热线公布后,北京市房管部门已处罚23家存在违法行为的中介,涉及哄抬租金、强迫租户等。
但愿管制和处罚措施可以真正打击到无良中介,稳定房租,让年轻人也能有钱储蓄……
小伙伴们,你们坚持看到这里了吗?还有人吗?凡是坚持看到这里的人——你们都是生活的赢家!毕竟你们足够坚强!
英文来源:Asia Advisers Network、环球时报、中新网
中文来源:《译.世界》
(编辑:织言)