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<script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{"tag":"share_1","bdSize":32,"bdCustomStyle":"http://ats.taiwan.cn/homepage2021/css/bgBdShare2021.css"}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://103.249.53.35/gate/big5/bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </div> </div> <div id="bdShareBtn"></div> </div>  </div> <div class="contentArea"> <div class=TRS_Editor><p align="center">　　<img width="600" height="448" title="臺灣家庭負債成長速度超車經濟成長率" style="border-left-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-top-width: 0px" alt="臺灣家庭負債成長速度超車經濟成長率" oldsrc="W020171013387887469763.jpg" src="./W020171013387887469763.jpg" /></p> <p>　　<font face="楷體,楷體_GB2312">最近幾年臺灣民眾“所得”沒有大幅成長，民眾支付房貸本金和利息支出，已佔家庭可運用資金將近一半，家庭負債比攀高下，不少人逛購物中心只看不買。（圖片來源：臺灣《聯合報》） </font></p> <p>　　台灣網10月13日訊據臺灣《聯合報》報道，臺灣家庭負債衝高，外商金融機構示警。安聯集團在最新版全球財富報告中指出，臺灣家庭負債佔臺灣地區GDP比重，在2016年升高到87%，在全球名列前茅；同時，臺灣家庭負債成長速度也以4.8%“超車”經濟成長率。</p> <p>　　據安聯集團數據，最近三年臺灣家庭負債總金額，自2014年的4170億歐元，成長到2014年的4260億歐元，去年再增至4460億歐元，年成長4.8%。若以1歐元換33.9935元新台幣匯率換算，去年臺灣家庭總負債達15.16兆新台幣，除以全臺900萬家庭戶，每戶負債約168.46萬台幣。</p> <p>　　安聯統計，去年全球家庭負債比平均值為64.6%，亞洲（不含日本）家庭負債比為46.3%；臺灣家庭負債比87%，不管在亞洲或全球的國家和地區都算偏高，家庭負債年成長4.8%，也是臺灣近年經濟成長（2%上下）的兩倍以上。</p> <p>　　除安聯外，國際信評機構、惠譽信評今年稍早也發佈，臺灣家庭負債佔GDP比重在去年上半年就上升至82.6%，幾乎是亞洲最高。</p> <p>　　惠譽指出，儘管臺灣房市近年已大幅修正，但臺灣民眾房貸負擔仍大，房貸佔家庭總負債高達5.7成，同時間，臺灣地區GDP成長幾近為零，預期今年也只有1.7%，導致臺灣家戶負債佔臺灣地區GDP比重，逐年升高。</p> <p>　　安聯集團首席經濟學家麥可海斯博士表示，臺灣私人負債要是攀升過快，將成為臺灣經濟發展的“阿基利斯腱（the Achilles heel，即致命傷）”。惠譽信評也表示，臺灣家庭負債比過高，債務壓力除壓抑經濟成長，也可能“逆襲”臺灣銀行財務表現。</p> <p>　　但臺灣專家對此持不同看法。臺灣中華信評金融服務評等部副總裁張書評表示，臺灣家庭負債佔GDP比重，近年的確逐步走高，主因家庭負債金額成長比GDP還要快，但儘管“家庭負債比”攀升，臺灣家庭的“凈資產成長”仍高於凈負債成長。</p> <p>　　就以安聯報告來看，去年臺灣家庭金融凈資產成長率達9.6%，家庭負債成長雖加速到百分之4.8%，但仍低於資產成長。張書評說，由於資產成長仍大於負債，代表債務壓力的緩衝空間仍足夠。（台灣網王怡然）</p></div> <div class="editor f14">[責任編輯：王怡然]</div> 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