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临江仙 · 2022年11月27日

The ratio of consumer installment debt to income实际意义是什么

NO.PZ2021052601000015

问题如下:

Which of the following is most likely to increase after an increase in aggregate real personal income?

选项:

A.Equity prices B.Building permits for new private housing units C.The ratio of consumer installment debt to income

解释:

C is correct. Aggregate real personal income is a coincident indicator of the business cycle, and the ratio of consumer installment debt to income is a lagging indicator. Increases in the ratio of consumer installment debt follow increases in average aggregate income during the typical business cycle.

个人实际收入总额是景气周期的同步指标,而消费者分期付款债务与收入的比率则是滞后性指标。在典型的商业周期中,消费者分期付款债务比率的增加伴随着平均总收入的增加。


The ratio of consumer installment debt to income实际意义是什么?


是说,有钱后大家更愿意借贷消费?而不是还贷?

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笛子_品职助教 · 2022年11月27日

嗨,从没放弃的小努力你好:


The ratio of consumer installment debt to income实际意义是什么?

consumer installment debt就是我们国内的信用卡分期。这里是个比例。信用卡分期债务/收入。

它的意义就是,消费者的信贷与收入的比率,在一定程度上衡量消费者的还款能力。


是说,有钱后大家更愿意借贷消费?而不是还贷?

是经济的滞后指标。

有钱后大家更加自信了,更加愿意消费。


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