艾尔之光bh配招:中国人敢花钱 美国人怕花钱Chinese Shoppers Hitting Their Stride?

Americans shop. Chinese people save. That, at least, has been the lesson of the U.S.-China economic relationship, one borne out by a $250 billion trade gap and China's roughly $900 billion in U.S. Treasury holdings. But a new study suggests things are changing.A major buying boom is taking off in China, in part due to the fact that consumers here have largely gone unscathed by the global financial downturn that deeply scarred their counterparts in the U.S., investment group CLSA Asia-Pacific Markets says in a new report, 'Contrasting Spirits: Chinese vs. American Households.'The Chinese economic outlook─a rosy one in which 42% have seen their incomes rise in the last year and 54% believe their incomes will increase in the upcoming year─is giving consumers the impetus to pull out their wallets and buy TV sets, phones, and computers in numbers that are on par with U.S. shoppers, the report said. What's more, Chinese consumers are buying at a quicker pace: CLSA found that 24% of Chinese, compared to 18% of Americans, replaced their TV's within the past three years, and 72% of Chinese bought new mobile phones in the same period, while 62% of U.S. consumers updated theirs.Three years after the subprime lending crisis triggered the worst American recession in eight decades, many U.S. consumers remain plagued employment woes and economic hopelessness. A total of 63% Americans watched their income decline since 2008, a quarter of whom lost more than 20% of their salaries, the report found. Only one in ten Americans say their lives are better now than were a year ago.U.S. consumers are cutting back on clothing, grocery, dining, entertainment and any other expense they consider extraneous, the report found, while a majority of Americans have lost faith in the government's ability to dig the country out of the downturn. The median personal savings rate has jumped to 5%, up from 2.9% a decade ago, according to CLSA.While the median household disposable income in the U.S., more than $60,000, is double that in China, Chinese consumers─despite their reputation for saving─are more and more willing to splurge: 36% will pay a premium for branded products, compared to 24% in the U.S., CLSA found. Meanwhile, one in every five Chinese consumers is planning to buy a car in the next year and 94% are dining out at least once a week.And there will soon be more spenders in the pool: The Chinese middle class is poised to rise to 250 million in the next five years, or 80% of the U.S. population, up from an estimated 148 million, the report said, without defining what it meant by 'middle class.'CLSA surveyed 1,766 U.S. families across 50 states and 1,668 Chinese families in 15 of China's cities, including top tier cities Beijing and Shanghai and the lower tier cities Wuhan and Zhengzhou.A side-by-side look at some of the other numbers:* Households with two people employed: China- 72%; U.S.- 36%* Savings per household: China - 28% of income; U.S. 5% of income* Spending on rent: China - 12% of income; U.S. 30%* Spending on groceries: China 29% of income; U.S. 17% of income* Spending on clothing: China 11% of income; U.S. 6% of income* Purchased a computer in the last year: China 37%; U.S. 35%* Credit card spending: China - 38% plan to charge more; U.S. 7% plan to charge more.Laurie Burkitt美国人花钱，中国人存钱。这至少是中美经济关系的教训，2,500亿美元的贸易差额、中国所持约9,000亿美元美国国债，就是这个教训的明证。但一份新的研究报告显示事情正在起变化。Zuma Press中国消费者投资集团里昂证券亚太市场(CLSA Asia-Pacific Markets)的分析师在新报告《对比鲜明的心态：中国家庭VS美国家庭》中说，中国正在兴起一轮大规模购物潮，一个原因是中国消费者大多安然度过了重创美国消费者的全球金融危机。报告说，中国经济前景看好，42%的人去年收入增加，54%的人相信自己的收入会在来年增加，这让消费者有动力拿出钱包购买电视机、手机和电脑，购买数量与美国消费者持平。另外，中国消费者的购买速度更快。里昂证券发现，24%的中国人在过去三年更换过电视，美国人的这个比例是18%；72%的中国人在同一时期购买了新手机，美国消费者的这个比例是62%。时隔次贷危机引发美国80年来最严重衰退已经三年，美国很多消费者仍然饱受就业危机与渺茫经济前景的折磨。报告发现，自2008年以来，共有63%的美国人眼看着自己的收入下降，其中四分之一的人工资降幅在20%以上。只有十分之一的美国人说他们目前的生活好于一年前。报告发现，美国消费者正在减少服装、食品杂货、下餐馆和娱乐方面的支出，以及他们认为不必要的其他任何支出，同时大多数美国人已经不相信政府能够引导美国走出低迷境况。报告显示，个人储蓄率的中位数已经从10年前的2.9%上升到5%。虽然美国的家庭可支配收入中位数达6万多美元，是中国的两倍，但中国消费者越来越愿意进行非必需开支（尽管他们喜欢存钱是出了名的）：里昂证券发现，36%的中国消费者会为品牌产品支付更高价格，美国的这个比例是24%。另外，中国五分之一的消费者打算在未来一年购买汽车，94%的人至少每周下餐馆一次。而且愿意花钱的人将很快变得更多：报告说，未来五年中国中产阶级数量势将从当前1.48亿的估计数字上升到2.5亿，相当于美国人口总数的80%。报告没有对“中产阶级”给出具体定义。里昂证券调查了美国50个州的1,766户家庭，以及中国15个城市的1,668户家庭，其中包括一线城市北京、上海，也包括相对落后的武汉、郑州。比较一下其他部分数字：有两人就业的家庭：中国72%，美国36%；每户存款占收入比例：中国28%，美国5%；房租占收入比例：中国12%，美国30%；食品杂货支出占收入比例：中国29%，美国17%；服装支出占收入比例：中国11%，美国6%；过去一年买过电脑：中国37%，美国35%；计划增加信用卡支出：中国38%，美国7%。Laurie Burkitt