全球Z世代債務不斷增加，但中國年輕人卻在「報復性儲蓄」

China’s young people are ‘revenge saving’ even as Gen Zers around the world are piling up debt
全球Z世代債務不斷增加，但中國年輕人卻在「報復性儲蓄」

Post-pandemic revenge spending is still continuing, but in one part of the world there’s something starkly opposite happening — revenge saving.
疫後報復性消費仍在繼續，但在世界的某個地方，卻發生了截然相反的事情——報復性儲蓄。

Rather than splurging on impulsive purchases, China’s young are saving ferociously as the world’s second-largest economy remains in the doldrums.
由於世界第二大經濟體依然處於低迷狀態，年輕人沒有衝動購物，而是瘋狂儲蓄。

Revenge saving has become a trend on Chinese social media websites, with Chinese youth setting extreme monthly saving targets.
報復性儲蓄已在社交媒體上成為潮流，很多年輕人設定了極高的每月儲蓄目標。

A 26-year-old with username ‘Little Zhai Zhai’ is detailing her attempt to cap her monthly spending at just 300 Chinese yuan ($41.28) a month, with a recent video showing how she curtailed her daily meal expenses to just 10 yuan ($1.38).
用戶名為「小齋齋」的26歲女子詳述了將每月支出限制在300元的過程，最近的一段影片展示了如何將每日餐費降至10元。

Others are finding “savings partners” on social media. These partners form a savings circle that ensures its members stick with their goals.
還有一些人在社交媒體上尋找「儲蓄拍檔」，組成一個儲蓄社群，確保成員堅持自己的目標。

Savings measures also include dining at community canteens usually for the elderly, where fresh meals are sold at relatively cheap prices.
其他手法還包括在為老年人開設的社區食堂就餐，那裡的新鮮食物相對便宜。

“Chinese youth have a revenge savings mentality,” said China Market Research Group’s Managing Director Shaun Rein. “Unlike youths in the 2010s who often spent more than they earned and borrowed money to buy fancy items like Gucci handbags and Apple iPhone, young Chinese have started saving more,” he told CNBC.
中國市場研究集團董事總經理說，「中國年輕人有一種報復性儲蓄心態，與2010年代經常入不敷出、借錢購買Gucci手袋和蘋果手機等奢侈品的年輕人不同，現在年輕人開始存錢了。」

Other telltale signs of younger Chinese tightening their purse strings are trending buzzwords such as “reverse consumption” and a “stingy economy.” The former refers to making a more conscious effort to cut spending, while the latter connotes actively seeking out discounts and deals when shopping.
年輕人省吃儉用的其他明顯跡象還包括「逆向消費」和「摳門經濟」等流行詞。前者指的是更有意識地削減開支，而後者則意味著在購物時積極尋找折扣和優惠。

This is in stark contrast to a wider trend among the youth, particularly Gen Zers. According to a Prosperity Index report by Intuit, rather than cutting expenses to boost savings, 73% of Gen Zers in the U.S. said they would rather have a better quality of life than extra money in a bank.
這與當下全球年輕人普遍的趨勢形成了鮮明對比，尤其是Z世代（1997-2012年出生）。Intuit繁榮指數顯示，73%的美國Z世代表示，他們寧願過上更好的生活，也不願在銀行存更多的錢，不會削減開支以增加儲蓄。

“Young people probably sense the same thing that everyone else does: the economy just isn’t doing that well,” said Christopher Beddor, deputy director for China research at Gavekal Dragonomics.
龍洲經訊中國研究部副主任Christopher Beddor表示：「中國的年輕人可能有同樣的感受：經濟形勢不太好。」

Total RMB deposits by households in the first quarter of 2024 saw an 11.8% year-on-year growth, according to a recent report from the People’s Bank of China.
根據中國人民銀行最近的一份報告， 2024年一季度居民人民幣存款總額同比增長11.8%。

While China’s first-quarter GDP beat expectations to log a 5.3% year-on-year growth, forecasts still point to a continued slowdown, with the International Monetary Fund seeing a 4.5% growth in 2025.
儘管一季度GDP同比增長5.3%，超出預期，但預測表明經濟將繼續放緩，國際貨幣基金組織預計2025年中國經濟將增長4.5%。

Compounding the difficulty is a tight labor market that is especially bad for the young people, experts told CNBC.
專家告訴CNBC，勞動力市場緊張令形勢更加嚴峻，這對年輕人來說尤其不利。

“People refusing to spend money is a true phenomenon here,” said Jia Miao, an assistant professor at NYU Shanghai. “For some of the young people, it’s simply because they cannot find a job or they just found that it is more difficult to increase their income. They have no choice but to spend less money,” she added.
「人們不願花錢是真實的 」上海紐約大學助理教授賈淼說。「對於一些年輕人來說，他們找不到工作，加薪更是無從談起。他們別無選擇，只能少花錢。」

Unemployment rate among youths aged 16 to 24 came in at 14.2% in May, well above the national average of 5%. While there are no official statistics for monthly wages earned by undergraduates, a survey found that the average monthly salary of those with undergraduate degrees earned in 2023 was 6,050 yuan ($832), 1% higher from a year earlier, according to domestic reports compiled by MyCOS research and published on local media .
5月，16-24歲青年失業率為14.2% ，遠高於全國5%的平均水平。 儘管沒有關於大學生月薪的官方數據，但MyCOS研究的報告指出2023年本科畢業生平均月薪為6050元 ，比去年同期高出1%。

“Confidence and Animal Spirits have disappeared among the youth. It’ll take years if not longer of a boom market before [they] feel comfortable to revenge spend,” said Rein.
「年輕人的信心和進取精神已消失，繁榮復甦還需要幾年甚至更長時間，在此之前不會出現報復性消費。」

儲蓄一向都係華人習慣

強迫人消費
黐鳩線評論

有咩可怕，整劑負利率加高通脹你自然會使錢

通縮會令經濟停滯

節儉是美德

係咪覺得已經係上古年代嘅古文呢

QE就GG

冇希望自然唔想使錢
經濟停滯關人撚事

呢啲思想就真係成為美帝資本主義走狗嘅傀儡

通縮會令泡沫經濟停滯爆破

係咪咁樣準確好多呢

有興趣點解同美帝資本主義有關係

儲埋用黎割

你望下日本過去幾十年嘅人工咪知經濟停滯關唔關你事囉

有咩所謂做得呢d野都一事無成既廢人 到死左收番筆錢國有咪得 除非個個都收埋係床底啦

儲喺大陸戶口
最後變國有資產

儲蓄如果擺喺銀行
喺適當監管同運用下對社會整體係可以用嚟投資科研創新進步
不過前提係適當監管同運用

你又唔係喺日本工作
又唔係係日本住
經濟停滯，其實真係冇直接關係
你又講美帝
又講日本
其實你想講乜

Short answer 呢個稻草人夠大易打
Real answer 儲到啲錢唔擺喺美國唔通擺牀下底等收割咩

有冇諗過班韮菜其實唔係想儲錢，而係d錢喺銀行根本攞唔到出嚟

消費主義 借貸主義
不斷鼓勵人借錢
社會充斥大量誘導性消費
年年換iphone, 大量廣告植入

西方人真係冇儲蓄概念
月月清

中國廣州一名老闆李娟（化名）將人民幣1000萬元（約新台幣4430萬元）存進銀行，原以為每年可獲利幾十萬元，但她數月後要使用存款時，發現餘額僅剩6毛2（約新台幣2.7元），事後經調查發現銀行經理擅自轉走了她的資產，她一氣之下把銀行告上法庭，二審時，法院判決銀行需賠償人民幣450萬元（約新台幣1993萬元）經濟損失和部分利息。

偷錢又有,阻止民眾提款又有
神又你鬼又係你

因為佢哋儲咗啲權力喺自己個政府度
鄰居講嘅

主流經濟學
佢地講通脹永遠講溫和情況
佢地講通縮永遠講極端情況

今日賣10蚊既野
出年賣9.9 你會唔會延遲消費
但佢地好似講到 今日10蚊 聽日9蚊