伊利诺伊州芝加哥，2022年4月28日— The Financial Health Network, the nation’s authority on financial health, in partnership with Prudential Financial, today releasedThe FinHealth Spend Report 2022, examining how households in America managed their finances and accessed credit during the second year of the pandemic. Analysis of year-over-year trends for more than two dozen financial products and services found a rare decline in overall spending, though an outsized cost burden remains for underserved populations causing concern with an anticipated increase for the year ahead.
Top line data shows that total interest and fees declined to $305 billion for 2021, down from a high of $319 billion in 2020, a 4% drop driven largely by changes in spending on credit cards and student loans. However, access to financial services remains costly for populations that have traditionally been underserved, with massive disparities in spending by race and ethnicity, income, and financial health tier. This year’s report found that households considered not financially healthy accounted for 83% of all fees and interest paid.
As a percentage of their income, Black households on average spent more than twice what White households spent on interest and fees (7% vs. 3%), while Latinx households spent 40% more than White households (5% vs. 3%). And, households with low-to-moderate incomes spent nearly three times as much of their income on interest and fees than households with higher incomes (8% vs. 3%).
财务健康网络总裁兼首席执行官詹妮弗·特舍尔（Jennifer Tescher）表示：“大流行的最后两年一直是人们在财务上的过山车，经常迫使他们在每一个新的共同发展中都重新校准生活和财务状况。”万博电竞怎么玩“While we’ve witnessed a rare drop in overall spending on financial services in 2021, the confluence of increased consumer spending, the end of government aid, and rising inflation all portend an increase in fees and interest for 2022 that will likely fall disproportionately on households that are already struggling financially.”
2022年的Finhealth支出报告讲述了一个高级经济趋势的故事，同时还为塑造各个产品市场的特定问题提供了独特的见解。产品数据的快照包括：
Overdraft:
- Overdraft and nonsufficient funds (NSF) fees appear to have plateaued, totaling roughly $11 billion both in 2020 and 2021. Recent announcements of overdraft reform by several major banks could create positive shifts in this market in 2022.
- 拥有银行帐户的黑人家庭几乎是白人家庭的可能性几乎是支付至少一笔透支费的两倍，而拉丁裔家庭的可能性几乎是一半半。拥有银行帐户的财务脆弱家庭的透支量几乎是财务健康的家庭的十倍。
Student Loans:
- Interest and fees on federal student loan totals fell precipitously from an estimated $25 billion in 2019 to $6.3 billion in 2021 due to the moratorium, which went into effect in March 2020 and, as of this report’s publication in April 2022, is set to expire August 31, 2022.
- 对于暂停延长的每个月，本报告估计，联邦学生贷款借款人避免了15亿美元的利息支付。而且，尽管联邦学生贷款占1.7万亿美元贷款投资组合中的92％，但与联邦学生贷款借款人相比，私人学生贷款借款人在2021年支付的利息和费用增加了30％。
信用Cards:
- 尽管对于通用和专用标签卡的旋转余额的利息和费用在2021年的总体上下降，但余额在2021年的最后一个季度表现出了创纪录的增长，并且在接近大流行前水平的情况下是财务状况的危险信号。
- 在全年中，通用信用卡的循环余额的利息和费用估计下降了10％至950亿美元，而专用标签信用卡的相应总计下降了约13％至114亿美元。
立即购买，以后付款（BNPL）：
- 今年3月,补充BNPL briefwas released providing an in-depth look into these new tech-driven payment platforms showing that roughly one in four users of BNPL are financially vulnerable, meaning that they are struggling with most or all aspects of their financial lives, and of these users nearly a quarter report struggling to make payments.
Pawn, Payday, and Title Loans:
- 利息和费用alternative financial services have dropped dramatically between 2019 and 2021, with pawn revenue falling 25%, payday 45% and title loans nearly 40% within that period.
- 尤其是在过去一年中，发薪日贷款的大幅下降，报告使用情况的百分比从2020年的5％下降到2021年的3％。黑人家庭，低至中等收入的家庭和财务脆弱的家庭都报告了有意义的下降。使用发薪日贷款。
“我们与财务健康网络合作的原因之一是进一步评估家庭如何通过大流行管理其财务状况，” Pr万博电竞怎么玩udential的包容解决方案副总裁Sarah Keh说。“获得高质量，负担得起的金融服务，尤其是在种族，种族和收入之间 - 为研究人员，政策制定者和拥护者提供数据，以跟踪趋势并确定支持更公平的金融保健政策和产品的机会。”
This report marks the 10th in the series overall, and the second under a new methodology, which pairs extensive secondary research with a nationally representative survey on consumer spending. New to this year’s report is year-over-year trend data on consumer spending on a wide variety of common financial services , including bank account fees and most non-mortgage credit products. This year’s report adds analyses on federal student loans, buy here, pay here (BHPH) auto loans, buy now, pay later (BNPL) services and earned wage access (EWA) products. In 2022, the Financial Health Network is beginning to produce in-depth briefs that take closer looks at products with particular implications for policymakers, financial service providers, and financial health in general.
有关Finhealth支出报告的更多信息，请查看2022年报告.
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财务健康万博电竞怎么玩网络是财务健康的领先权力机构。我们是企业领导者，政策制定者和创新者联合的信任资源，其使命是改善其客户，员工和社区的财务状况。通过研究，咨询服务，测量工具以及跨部门协作的机会，我们提高了认识，理解和经manbets手机版登陆过证明的最佳实践，以支持所有人的财务健康。有关财务健康网络的更多信息，请转万博电竞怎么玩到www.www.hagiluck.comand follow us on Twitter at @FinHealthNet.