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of Consumer Finances\uff09\uff0c\u4e5f\u53cd\u6620\u51fa\u985e\u4f3c\u7684\u7a2e\u65cf\u4e4b\u9593\u7684\u5dee\u5225\u3002\u975e\u88d4\u7f8e\u570b\u4eba\u5bb6\u5ead\u7684\u6536\u5165\u4e2d\u4f4d\u6578\u70ba35400\u7f8e\u5143\uff0c\u4e0a\u534710%\uff1b\u62c9\u7f8e\u88d4\u5bb6\u5ead\u7684\u6536\u5165\u4e2d\u4f4d\u6578\u70ba38500\u7f8e\u5143\uff0c\u4e0a\u534715%\uff1b\u767d\u4eba\u5bb6\u5ead\u7684\u6536\u5165\u4e2d\u4f4d\u6578\u70ba61200\u7f8e\u5143\uff0c\u4e0a\u53476%\u3002\u7f8e\u806f\u5132\u7684\u6578\u64da\u9084\u5283\u5206\u4e86\u57ce\u5e02\u548c\u8fb2\u6751\u7684\u5dee\u5225\uff1a\u5c45\u4f4f\u5728\u57ce\u5e02\u7684\u5bb6\u5ead\u6536\u5165\u4e2d\u4f4d\u6578\u589e\u9577\u4e8610%\uff0c\u800c\u90a3\u4e9b\u5728\u8fb2\u6751\u7684\u5bb6\u5ead\u53ea\u589e\u9577\u4e862%\u3002<\/p>\n<p>\u806f\u5132\u6703\u7684\u9019\u4efd\u5831\u544a\u57fa\u672c\u4e0a\u548c\u7f8e\u570b\u4eba\u53e3\u666e\u67e5\u5c40\uff08Census Bureau\uff09\u65e9\u4e9b\u6642\u5019\u767c\u5e03\u7684\u6578\u64da\u76f8\u543b\u5408\u3002\u81ea2015\u5e74\u4ee5\u4f86\uff0c\u7d93\u6fdf\u5fa9\u8607\u5e36\u4f86\u7684\u597d\u8655\u5df2\u7d93\u5ee3\u6cdb\u50b3\u64ad\u5230\u5e7e\u4e4e\u6240\u6709\u7684\u6536\u5165\u5c64\u6b21\u3001\u6240\u6709\u7684\u7a2e\u65cf\u548c\u6c11\u65cf\u7fa4\u9ad4\u3002\u800c\u5728\u524d5\u5e74\uff0c\u53ea\u662f\u6536\u5165\u8f03\u9ad8\u7684\u5bb6\u5ead\u7372\u5f97\u4e86\u5927\u90e8\u5206\u6536\u76ca\u3002\u4e0d\u65b7\u4e0b\u964d\u7684\u5931\u696d\u7387\u62ac\u9ad8\u4e86\u5de5\u8cc7\uff0c\u4f7f\u4e2d\u7522\u968e\u7d1a\u7684\u6536\u5165\u589e\u9577\uff0c\u800c\u4e0a\u6f32\u7684\u623f\u50f9\u4e5f\u4f7f\u4e2d\u7522\u968e\u7d1a\u5bb6\u5ead\u6062\u5fa9\u4e86\u4e00\u4e9b\u8ca1\u5bcc\u3002\u96d6\u7136\u8655\u65bc\u793e\u6703\u5e95\u5c64\u7684\u9ed1\u4eba\u548c\u897f\u73ed\u7259\u88d4\u5bb6\u5ead\u7684\u8ca1\u5bcc\u589e\u9577\u5f88\u5feb\uff0c\u4f46\u7a2e\u65cf\u9593\u7684\u8ca7\u5bcc\u5dee\u8ddd\u5e7e\u4e4e\u6c92\u6709\u7e2e\u5c0f\u3002<\/p>\n<p>\u7d93\u6fdf\u653f\u7b56\u7814\u7a76\u6240\uff08Economic Policy Institute\uff09\u9ad8\u7d1a\u7d93\u6fdf\u5b78\u5bb6Elise Gould\u8aaa\uff0c\u5f9e\u8ca1\u5bcc\u548c\u6536\u5165\u6578\u64da\u53ef\u4ee5\u770b\u5230\u8ca7\u5bcc\u5dee\u8ddd\u8d8a\u4f86\u8d8a\u5927\u3002\u5728\u8a31\u591a\u65b9\u9762\uff0c\u5927\u591a\u6578\u7f8e\u570b\u5bb6\u5ead\u9084\u6c92\u6709\u5b8c\u5168\u5f9e2008 &#8211; 2009\u5e74\u7684\u7d93\u6fdf\u8870\u9000\u4e2d\u6062\u5fa9\u904e\u4f86\u3002\u4e8b\u5be6\u4e0a\uff0c\u8ca1\u5bcc\u548c\u6536\u5165\u7684\u4e2d\u4f4d\u6578\u4ecd\u7136\u843d\u5f8c\u65bc2001\u5e74\u7684\u6c34\u5e73\u3002\u9019\u4e5f\u8aaa\u660e\u4e86\u70ba\u4ec0\u9ebc\u9019\u9ebc\u591a\u7684\u7f8e\u570b\u4eba\u5c0d\u7d93\u6fdf\u611f\u5230\u5931\u671b\u3002<\/p>\n<p>\u7f8e\u806f\u5132\u653f\u7b56\u5236\u5b9a\u8005\u4e4b\u4e00Lael 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Bureau\uff09\u65e9\u4e9b\u6642\u5019\u767c\u5e03\u7684\u6578\u64da\u76f8\u543b\u5408\u3002\u81ea2015\u5e74\u4ee5\u4f86\uff0c\u7d93\u6fdf\u5fa9\u8607\u5e36\u4f86\u7684\u597d\u8655\u5df2\u7d93\u5ee3\u6cdb\u50b3\u64ad\u5230\u5e7e\u4e4e\u6240\u6709\u7684\u6536\u5165\u5c64\u6b21\u3001\u6240\u6709\u7684\u7a2e\u65cf\u548c\u6c11\u65cf\u7fa4\u9ad4\u3002\u800c\u5728\u524d5\u5e74\uff0c\u53ea\u662f\u6536\u5165\u8f03\u9ad8\u7684\u5bb6\u5ead\u7372\u5f97\u4e86\u5927\u90e8\u5206\u6536\u76ca\u3002\u4e0d\u65b7\u4e0b\u964d\u7684\u5931\u696d\u7387\u62ac\u9ad8\u4e86\u5de5\u8cc7\uff0c\u4f7f\u4e2d\u7522\u968e\u7d1a\u7684\u6536\u5165\u589e\u9577\uff0c\u800c\u4e0a\u6f32\u7684\u623f\u50f9\u4e5f\u4f7f\u4e2d\u7522\u968e\u7d1a\u5bb6\u5ead\u6062\u5fa9\u4e86\u4e00\u4e9b\u8ca1\u5bcc\u3002\u96d6\u7136\u8655\u65bc\u793e\u6703\u5e95\u5c64\u7684\u9ed1\u4eba\u548c\u897f\u73ed\u7259\u88d4\u5bb6\u5ead\u7684\u8ca1\u5bcc\u589e\u9577\u5f88\u5feb\uff0c\u4f46\u7a2e\u65cf\u9593\u7684\u8ca7\u5bcc\u5dee\u8ddd\u5e7e\u4e4e\u6c92\u6709\u7e2e\u5c0f\u3002 \u7d93\u6fdf\u653f\u7b56\u7814\u7a76\u6240\uff08Economic Policy Institute\uff09\u9ad8\u7d1a\u7d93\u6fdf\u5b78\u5bb6Elise Gould\u8aaa\uff0c\u5f9e\u8ca1\u5bcc\u548c\u6536\u5165\u6578\u64da\u53ef\u4ee5\u770b\u5230\u8ca7\u5bcc\u5dee\u8ddd\u8d8a\u4f86\u8d8a\u5927\u3002\u5728\u8a31\u591a\u65b9\u9762\uff0c\u5927\u591a\u6578\u7f8e\u570b\u5bb6\u5ead\u9084\u6c92\u6709\u5b8c\u5168\u5f9e2008 - 2009\u5e74\u7684\u7d93\u6fdf\u8870\u9000\u4e2d\u6062\u5fa9\u904e\u4f86\u3002\u4e8b\u5be6\u4e0a\uff0c\u8ca1\u5bcc\u548c\u6536\u5165\u7684\u4e2d\u4f4d\u6578\u4ecd\u7136\u843d\u5f8c\u65bc2001\u5e74\u7684\u6c34\u5e73\u3002\u9019\u4e5f\u8aaa\u660e\u4e86\u70ba\u4ec0\u9ebc\u9019\u9ebc\u591a\u7684\u7f8e\u570b\u4eba\u5c0d\u7d93\u6fdf\u611f\u5230\u5931\u671b\u3002 \u7f8e\u806f\u5132\u653f\u7b56\u5236\u5b9a\u8005\u4e4b\u4e00Lael 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\u806f\u5132\u6703\u5831\u544a\u7684\u7b2c\u4e8c\u90e8\u5206\u662f\u95dc\u65bc\u7f8e\u570b\u5bb6\u5ead\u7684\u5e74\u6536\u5165\uff0c\u7a31\u70ba\u6d88\u8cbb\u8005\u8ca1\u52d9\u8abf\u67e5\uff08Survey of Consumer Finances\uff09\uff0c\u4e5f\u53cd\u6620\u51fa\u985e\u4f3c\u7684\u7a2e\u65cf\u4e4b\u9593\u7684\u5dee\u5225\u3002\u975e\u88d4\u7f8e\u570b\u4eba\u5bb6\u5ead\u7684\u6536\u5165\u4e2d\u4f4d\u6578\u70ba35400\u7f8e\u5143\uff0c\u4e0a\u534710%\uff1b\u62c9\u7f8e\u88d4\u5bb6\u5ead\u7684\u6536\u5165\u4e2d\u4f4d\u6578\u70ba38500\u7f8e\u5143\uff0c\u4e0a\u534715%\uff1b\u767d\u4eba\u5bb6\u5ead\u7684\u6536\u5165\u4e2d\u4f4d\u6578\u70ba61200\u7f8e\u5143\uff0c\u4e0a\u53476%\u3002\u7f8e\u806f\u5132\u7684\u6578\u64da\u9084\u5283\u5206\u4e86\u57ce\u5e02\u548c\u8fb2\u6751\u7684\u5dee\u5225\uff1a\u5c45\u4f4f\u5728\u57ce\u5e02\u7684\u5bb6\u5ead\u6536\u5165\u4e2d\u4f4d\u6578\u589e\u9577\u4e8610%\uff0c\u800c\u90a3\u4e9b\u5728\u8fb2\u6751\u7684\u5bb6\u5ead\u53ea\u589e\u9577\u4e862%\u3002 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Bureau\uff09\u65e9\u4e9b\u6642\u5019\u767c\u5e03\u7684\u6578\u64da\u76f8\u543b\u5408\u3002\u81ea2015\u5e74\u4ee5\u4f86\uff0c\u7d93\u6fdf\u5fa9\u8607\u5e36\u4f86\u7684\u597d\u8655\u5df2\u7d93\u5ee3\u6cdb\u50b3\u64ad\u5230\u5e7e\u4e4e\u6240\u6709\u7684\u6536\u5165\u5c64\u6b21\u3001\u6240\u6709\u7684\u7a2e\u65cf\u548c\u6c11\u65cf\u7fa4\u9ad4\u3002\u800c\u5728\u524d5\u5e74\uff0c\u53ea\u662f\u6536\u5165\u8f03\u9ad8\u7684\u5bb6\u5ead\u7372\u5f97\u4e86\u5927\u90e8\u5206\u6536\u76ca\u3002\u4e0d\u65b7\u4e0b\u964d\u7684\u5931\u696d\u7387\u62ac\u9ad8\u4e86\u5de5\u8cc7\uff0c\u4f7f\u4e2d\u7522\u968e\u7d1a\u7684\u6536\u5165\u589e\u9577\uff0c\u800c\u4e0a\u6f32\u7684\u623f\u50f9\u4e5f\u4f7f\u4e2d\u7522\u968e\u7d1a\u5bb6\u5ead\u6062\u5fa9\u4e86\u4e00\u4e9b\u8ca1\u5bcc\u3002\u96d6\u7136\u8655\u65bc\u793e\u6703\u5e95\u5c64\u7684\u9ed1\u4eba\u548c\u897f\u73ed\u7259\u88d4\u5bb6\u5ead\u7684\u8ca1\u5bcc\u589e\u9577\u5f88\u5feb\uff0c\u4f46\u7a2e\u65cf\u9593\u7684\u8ca7\u5bcc\u5dee\u8ddd\u5e7e\u4e4e\u6c92\u6709\u7e2e\u5c0f\u3002 \u7d93\u6fdf\u653f\u7b56\u7814\u7a76\u6240\uff08Economic Policy Institute\uff09\u9ad8\u7d1a\u7d93\u6fdf\u5b78\u5bb6Elise Gould\u8aaa\uff0c\u5f9e\u8ca1\u5bcc\u548c\u6536\u5165\u6578\u64da\u53ef\u4ee5\u770b\u5230\u8ca7\u5bcc\u5dee\u8ddd\u8d8a\u4f86\u8d8a\u5927\u3002\u5728\u8a31\u591a\u65b9\u9762\uff0c\u5927\u591a\u6578\u7f8e\u570b\u5bb6\u5ead\u9084\u6c92\u6709\u5b8c\u5168\u5f9e2008 - 2009\u5e74\u7684\u7d93\u6fdf\u8870\u9000\u4e2d\u6062\u5fa9\u904e\u4f86\u3002\u4e8b\u5be6\u4e0a\uff0c\u8ca1\u5bcc\u548c\u6536\u5165\u7684\u4e2d\u4f4d\u6578\u4ecd\u7136\u843d\u5f8c\u65bc2001\u5e74\u7684\u6c34\u5e73\u3002\u9019\u4e5f\u8aaa\u660e\u4e86\u70ba\u4ec0\u9ebc\u9019\u9ebc\u591a\u7684\u7f8e\u570b\u4eba\u5c0d\u7d93\u6fdf\u611f\u5230\u5931\u671b\u3002 \u7f8e\u806f\u5132\u653f\u7b56\u5236\u5b9a\u8005\u4e4b\u4e00Lael Brainard\u5728\u6700\u8fd1\u7684\u4e00\u6b21\u8b1b\u8a71\u4e2d\u8868\u793a\u64d4\u6182\uff0c\u8ca7\u5bcc\u5dee\u8ddd\u589e\u5927\u53ef\u80fd\u6703\u963b\u7919\u7f8e\u570b\u7d93\u6fdf\u589e\u9577\uff0c\u8ca1\u5bcc\u548c\u6536\u5165\u9032\u4e00\u6b65\u96c6\u4e2d\u53ef\u80fd\u6703\u6e1b\u7de9\u6d88\u8cbb\u652f\u51fa\uff0c\u56e0\u70ba\u5bcc\u88d5\u5bb6\u5ead\u901a\u5e38\u6703\u628a\u66f4\u591a\u7684\u5de5\u8cc7\u6536\u5165\u6216\u5176\u5b83\u6536\u5165\u5b58\u8d77\u4f86\uff0c\u800c\u4e0d\u50cf\u4e2d\u7b49\u6536\u5165\u548c\u4f4e\u6536\u5165\u5bb6\u5ead\u90a3\u6a23\u628a\u8f03\u591a\u7684\u9322\u7528\u65bc\u6d88\u8cbb\uff0c\u800c\u6d88\u8cbb\u652f\u51fa\u4f54\u4e86\u5168\u90e8\u7d93\u6fdf\u6d3b\u52d5\u7684\u4e09\u5206\u4e4b\u4e8c\u3002 \u8a18\u8005 \u6e6f\u6bc5\u5805\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2017\/11\/19\/%e7%be%8e%e5%9c%8b%e5%ae%b6%e5%ba%ad%e4%b8%89%e5%b9%b4%e7%b6%93%e6%bf%9f%e7%8b%80%e6%b3%81%e5%a0%b1%e5%91%8a\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2014\/06\/economy-grow.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2014\/06\/economy-grow.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"358\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2017-11-19T14:54:01+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2017-11-20T06:14:41+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u7f8e\u570b\u5bb6\u5ead\u4e09\u5e74\u7d93\u6fdf\u72c0\u6cc1\u5831\u544a - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u7f8e\u570b\u806f\u90a6\u5132\u5099\u59d4\u54e1\u6703\uff08Federal Reserve\uff09\u6700\u8fd1\u516c\u5e03\u4e86\u7f8e\u570b\u5bb6\u5ead\u57282013\u5e74\u52302016\u5e74\u4e4b\u9593\u7684\u7d93\u6fdf\u72c0\u6cc1\u8b8a\u5316\uff0c\u986f\u793a\u90193\u5e74\u5167\u5404\u500b\u968e\u5c64\u3001\u5404\u500b\u7a2e\u65cf\u7684\u7d93\u6fdf\u72c0\u6cc1\u90fd\u6709\u8f03\u5927\u5e45\u5ea6\u63d0\u9ad8\uff0c\u7279\u5225\u662f\u4e2d\u7522\u968e\u7d1a\u5bb6\u5ead\u662f\u81ea10\u5e74\u524d\u7d93\u6fdf\u8870\u9000\u91cd\u5275\u7f8e\u570b\u7d93\u6fdf\u4ee5\u4f86\u7b2c\u4e00\u6b21\u51fa\u73fe\u7d93\u6fdf\u72c0\u6cc1\u6539\u5584\u3002\u7136\u800c\uff0c\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u5118\u7ba1\u5967\u5df4\u99ac\u653f\u5e9c\u63a1\u53d6\u4e86\u4e00\u7cfb\u5217\u504f\u5411\u7aae\u4eba\u7684\u7d93\u6fdf\u653f\u7b56\uff0c\u4f46\u5bcc\u6709\u5bb6\u5ead\u7684\u7d93\u6fdf\u72c0\u6cc1\u63d0\u9ad8\u901f\u5ea6\u9084\u662f\u5927\u5927\u8d85\u904e\u7aae\u82e6\u5bb6\u5ead\u548c\u4e2d\u7522\u968e\u7d1a\u5bb6\u5ead\uff0c\u4f7f\u5f97\u7f8e\u570b\u793e\u6703\u7684\u8ca7\u5bcc\u5dee\u8ddd\u9032\u4e00\u6b65\u64f4\u5927\u3002 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Bureau\uff09\u65e9\u4e9b\u6642\u5019\u767c\u5e03\u7684\u6578\u64da\u76f8\u543b\u5408\u3002\u81ea2015\u5e74\u4ee5\u4f86\uff0c\u7d93\u6fdf\u5fa9\u8607\u5e36\u4f86\u7684\u597d\u8655\u5df2\u7d93\u5ee3\u6cdb\u50b3\u64ad\u5230\u5e7e\u4e4e\u6240\u6709\u7684\u6536\u5165\u5c64\u6b21\u3001\u6240\u6709\u7684\u7a2e\u65cf\u548c\u6c11\u65cf\u7fa4\u9ad4\u3002\u800c\u5728\u524d5\u5e74\uff0c\u53ea\u662f\u6536\u5165\u8f03\u9ad8\u7684\u5bb6\u5ead\u7372\u5f97\u4e86\u5927\u90e8\u5206\u6536\u76ca\u3002\u4e0d\u65b7\u4e0b\u964d\u7684\u5931\u696d\u7387\u62ac\u9ad8\u4e86\u5de5\u8cc7\uff0c\u4f7f\u4e2d\u7522\u968e\u7d1a\u7684\u6536\u5165\u589e\u9577\uff0c\u800c\u4e0a\u6f32\u7684\u623f\u50f9\u4e5f\u4f7f\u4e2d\u7522\u968e\u7d1a\u5bb6\u5ead\u6062\u5fa9\u4e86\u4e00\u4e9b\u8ca1\u5bcc\u3002\u96d6\u7136\u8655\u65bc\u793e\u6703\u5e95\u5c64\u7684\u9ed1\u4eba\u548c\u897f\u73ed\u7259\u88d4\u5bb6\u5ead\u7684\u8ca1\u5bcc\u589e\u9577\u5f88\u5feb\uff0c\u4f46\u7a2e\u65cf\u9593\u7684\u8ca7\u5bcc\u5dee\u8ddd\u5e7e\u4e4e\u6c92\u6709\u7e2e\u5c0f\u3002 \u7d93\u6fdf\u653f\u7b56\u7814\u7a76\u6240\uff08Economic Policy Institute\uff09\u9ad8\u7d1a\u7d93\u6fdf\u5b78\u5bb6Elise Gould\u8aaa\uff0c\u5f9e\u8ca1\u5bcc\u548c\u6536\u5165\u6578\u64da\u53ef\u4ee5\u770b\u5230\u8ca7\u5bcc\u5dee\u8ddd\u8d8a\u4f86\u8d8a\u5927\u3002\u5728\u8a31\u591a\u65b9\u9762\uff0c\u5927\u591a\u6578\u7f8e\u570b\u5bb6\u5ead\u9084\u6c92\u6709\u5b8c\u5168\u5f9e2008 - 2009\u5e74\u7684\u7d93\u6fdf\u8870\u9000\u4e2d\u6062\u5fa9\u904e\u4f86\u3002\u4e8b\u5be6\u4e0a\uff0c\u8ca1\u5bcc\u548c\u6536\u5165\u7684\u4e2d\u4f4d\u6578\u4ecd\u7136\u843d\u5f8c\u65bc2001\u5e74\u7684\u6c34\u5e73\u3002\u9019\u4e5f\u8aaa\u660e\u4e86\u70ba\u4ec0\u9ebc\u9019\u9ebc\u591a\u7684\u7f8e\u570b\u4eba\u5c0d\u7d93\u6fdf\u611f\u5230\u5931\u671b\u3002 \u7f8e\u806f\u5132\u653f\u7b56\u5236\u5b9a\u8005\u4e4b\u4e00Lael 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