調(diào)查發(fā)現(xiàn)，由于通貨膨脹和利率上調(diào)，美國許多千禧一代的百萬富翁都推遲了購房購車的計劃，并減少了度假、外出就餐等消費。這表明通貨膨脹也開始影響到了美國的高收入階層。

Millennial millionaires are temporarily shelving major purchases as interest rates and inflation rise, according to CNBC’s Millionaire Survey.

美國消費者新聞與商業(yè)頻道的百萬富翁調(diào)查發(fā)現(xiàn)，由于利率上升和通貨膨脹，千禧一代的百萬富翁暫時擱置了大宗消費計劃。

Nearly half of millennial millionaires say higher borrowing costs are causing them to delay buying a car, and 44% say higher interest rates have caused them to delay purchasing a home, according to the survey. More than a third said inflation has caused them to delay a trip or vacation.

調(diào)查顯示，近半數(shù)千禧一代百萬富翁表示，貸款利率升高促使他們推遲購買汽車，44%的人表示，利率上漲導(dǎo)致他們推遲購買房產(chǎn)。超三分之一的人表示，通貨膨脹促使他們推遲出行或度假。

The CNBC Millionaire Survey, which surveys those with investible assets of $1 million or more, suggests that inflation and rising borrowing costs are working their way up the wealth ladder. While inflation hits the middle-class and lower-income groups hardest, rising interest rates are starting to squeeze more affluent, younger consumers, especially for big-ticket items.

美國消費者新聞與商業(yè)頻道的百萬富翁調(diào)查的對象是可投資資產(chǎn)在100萬美元以上的人，這意味著通貨膨脹和貸款成本提高已經(jīng)影響到了高收入階層。盡管通貨膨脹對中產(chǎn)階級和低收入群體打擊最嚴(yán)重，但利率上調(diào)也開始讓比較富裕的年輕消費者捂緊錢袋子，尤其是大宗消費。

Millennials are three times more likely to be cutting back on big purchases compared with their baby boomer counterparts, according to the survey.

調(diào)查顯示，相比嬰兒潮一代的百萬富翁，千禧一代百萬富翁減少大宗消費的可能性要高出兩倍。

"The millennial millionaires are clearly dealing with something they've never experienced,” said George Walper, president of Spectrem Group, which conducts the survey with CNBC. “As a result, they are changing their behaviors and spending plans.”

與美國消費者新聞與商業(yè)頻道合作開展這一調(diào)查的光譜國際集團總裁喬治·瓦爾波稱：“千禧一代的百萬富翁顯然從未遇到過這種情況。因此，他們正在改變自己的行為和開支計劃。”

Spectrem Group and the survey consider respondents born in 1982 or later, those currently aged 40 and younger, to be millennials. Respondents born between 1948 and 1965, aged 57 to 75, were considered baby boomers.

光譜集團和本次調(diào)查認(rèn)為1982年以后出生的、當(dāng)前年齡小于（含）40歲的受訪者是千禧一代；1948年到1965年出生的、年齡在57歲至75歲之間的受訪者是嬰兒潮一代。

Inflation and rising rates have created two separate but related spending constraints for affluent consumers.

通貨膨脹和利率上調(diào)在兩個彼此獨立又相互關(guān)聯(lián)的方面制約了富有階層的消費。

Inflation has driven up the prices of luxuries such as dining out, plane tickets, hotels and even certain monthly subscriptions. According to the survey, 39% of millennial millionaires have cut back on dining out because of higher inflation. Thirty-six percent have cut back on vacations, and 22% have cut down on driving.

通貨膨脹抬高了奢侈品及奢侈享受的價格，比如外出就餐、機票、酒店甚至部分月度訂閱服務(wù)。調(diào)查發(fā)現(xiàn)，39%的千禧一代百萬富翁因為通脹加劇已經(jīng)減少了外出就餐。36%的人減少了度假次數(shù)，22%的人減少了開車出行。

At the same time, the Federal Reserve's interest rate hikes have jacked up the cost to borrowing, especially for homes and cars. The central bank on Wednesday raised its benchmark rate to a range of 1.5%-1.75% and said another hike could come in July.

與此同時，美聯(lián)儲上調(diào)利率導(dǎo)致貸款成本升高，尤其是購房購車貸款。6月15日美聯(lián)儲將基準(zhǔn)利率上調(diào)至1.5%到1.75%，并表示7月份還可能加息。

Two-thirds of millennial millionaires surveyed said they are “l(fā)ess likely than a year ago to borrow money” due to higher interest rates. That compares with only 40% for baby boomers.

受訪的千禧一代百萬富翁有三分之二表示，由于利率上調(diào)，“相比一年前自己的貸款意愿降低了”。相比之下，只有40%的嬰兒潮一代百萬富翁貸款意愿降低。

Forty-four percent of millennial respondents said higher rates have caused them to delay purchasing a new home, compared with only 6% of baby boomers. Nearly half of millennial millionaires said they are delaying purchase of a car because of higher rates — more than double the rate of baby boomers.

44%的千禧一代受訪者表示利率上調(diào)促使他們推遲購買新房產(chǎn)，相比之下只有6%的嬰兒潮一代有這一情況。近半數(shù)千禧一代百萬富翁表示，他們因為利率上調(diào)而推遲購買汽車，這一比例是嬰兒潮一代百萬富翁的兩倍多。

Millennials are typically key drivers of sales growth for both homes and cars.

千禧一代百萬富翁通常是推動房產(chǎn)和汽車銷量上漲的主力軍。

"Millennials, like everyone else, are seeing that the mortgages they were looking at in January are now more than twice as much,” Walper said.

瓦爾波稱：“和其他所有人一樣，千禧一代發(fā)現(xiàn)自己要還的按揭金額從一月份到現(xiàn)在已經(jīng)漲了一倍多。”

CNBC’s Millionaire Survey was conducted in May, before the Fed’s latest rate hike. It surveyed approximately 750 respondents who reported that they are the financial decision-makers or share jointly in financial decision-making within their households.

美國消費者新聞與商業(yè)頻道的百萬富翁調(diào)查是5月份開展的，在美聯(lián)儲最近一次加息之前。調(diào)查涵蓋了近750名受訪者，據(jù)稱他們都在家里掌有財政大權(quán)或共同掌握財政大權(quán)。

Millennials appear more optimistic with their investments than older millionaires, however: 55% of millennial millionaires said inflation will last less than a year, compared with nearly two-thirds of baby boomers who said it will last at least a year or two. Forty percent of millennials surveyed plan to buy more stocks as inflation accelerates, compared with just 11% of boomers.

不過，千禧一代在投資方面似乎比嬰兒潮一代更為樂觀：55%的千禧一代百萬富翁認(rèn)為通貨膨脹持續(xù)時間不會超過一年，相比之下，近三分之二的嬰兒潮一代認(rèn)為通貨膨脹至少會持續(xù)一到兩年。40%的千禧一代受訪者表示計劃在通脹加速時買進更多股票，相比之下只有11%的嬰兒潮一代受訪者打算這么做。

Millennials are also more sanguine about inflation’s impact on their stock returns: Nearly 90% of millennial respondents are “confident” or “somewhat confident” in the Fed’s ability to manage inflation — a stark contrast to the 38% of baby boomers who are “not at all confident.”

千禧一代對于通貨膨脹對自己股票收益的影響也更樂觀：近90%的千禧一代受訪者對于美聯(lián)儲控制通貨膨脹的能力“有信心”或“有一點信心”，與38%的嬰兒潮一代的“完全沒信心”形成了鮮明對比。

More than 70% of millennial millionaires believe the economy will be stronger or even “much stronger” at the end of 2022, compared with two-thirds of boomers who said it will be weaker or “much weaker.”

超70%的千禧一代百萬富翁認(rèn)為2022年底美國經(jīng)濟會更加強勁甚至“強勁得多”，相比之下三分之二的嬰兒潮一代表示經(jīng)濟會更疲軟或“非常疲軟”。

英文來源：美國消費者新聞與商業(yè)頻道

翻譯&編輯：丹妮