美国家庭债务是否达到承受极限?

Does US Family Debt Reach the Breaking Point?

尽管目前家庭资产负债还在可容忍范围内,但缓慢的收入增长、较低的预期收入以及不能就业的大学生人数与学生贷款规模同时增长,这些趋势可能推动美国家庭达到债务极限。为减少家庭债务承受极限的风险,除完善金融监管之外,还需要改革抵押贷款融资、严格监管学生贷款、改善家庭债务管理方法并加强经济金融数据披露。

Although the current household assets-liabilityis still tolerable, slow income growth, lower expected income, the large number of unemployed college students and the expanding scale of student loans are growing at the same time, which may promote US family debt to reach the breaking point.In order to reduce the risk of family debt, in addition to improving the financial supervision, the reform of mortgage financing, strict supervision of student loans, improvement of family debt management methods and strengthening of economic and financial data disclosure are also required.