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反对补助住房债务的理由

发自新加坡——据纽约联邦储备银行统计,今年第一季度末美国的消费者负债总额再创新高(以美元计),越过了2008年第三季度全球金融危机爆发时的前一高点。虽然汽车贷款和学生贷款一路增长迅猛,但房屋债务仍然占据了12.7万亿美元总额的2/3以上。

作为收入的一部分,家庭负债对国民经济的威胁已经比十年前有所减弱。但新的统计数字依然提醒了我们美国家庭储蓄不足的现实。

有些人会把美国人的消费倾向归结为文化因素——正如亚洲人喜欢存钱。但这其中也存在一个重要的政策因素:美国政府的政策设计好像就是在鼓励美国人尽可能多地承担住房债务。

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