{"id":4977,"date":"2022-04-11T23:01:59","date_gmt":"2022-04-11T23:01:59","guid":{"rendered":"\/\/smallcapscn.x5view.co\/?p=4977"},"modified":"2023-08-29T17:53:42","modified_gmt":"2023-08-29T17:53:42","slug":"australians-spending-up-credit-cards-prices-rise","status":"publish","type":"post","link":"https:\/\/smallcapscn.x5view.co\/?p=4977","title":{"rendered":"\u968f\u7740\u4ef7\u683c\u4e0a\u6da8\uff0c\u6fb3\u5927\u5229\u4e9a\u4eba\u5728\u4fe1\u7528\u5361\u4e0a\u7684\u652f\u51fa\u589e\u52a0"},"content":{"rendered":"

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\u4e0d\u5e78\u7684\u662f\uff0c\u751f\u6d3b\u6210\u672c\u7684\u4e0a\u5347\u548c\u76f8\u5bf9\u81ea\u7531\u7684\u8d2d\u7269\u6781\u5927\u5730\u626d\u8f6c\u4e86\u8fd9\u79cd\u5c40\u9762\uff0c\u6fb3\u6d32\u8054\u50a8\u7684\u6570\u636e\u663e\u793a\u503a\u52a1\u8fde\u7eed\u56db\u4e2a\u6708\u4e0a\u5347\u3002<\/p>\n

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\u5404\u79cd\u4ef7\u683c\u90fd\u5728\u4e0a\u6da8\u2014\u2014\u6709\u4e9b\u662f\u6025\u5267\u4e0a\u6da8\u7684\u2014\u2014\u5305\u62ec\u6c7d\u6cb9\u3001\u7535\u529b\u3001\u98df\u54c1\u548c\u79df\u91d1\u3002<\/p>\n

\u800c\u4ed6\u4eec\u4e2d\u7684\u8001\u5927\u2014\u2014\u62b5\u62bc\u8d37\u6b3e\u652f\u4ed8\u2014\u2014\u770b\u8d77\u6765\u4e5f\u5c06\u5927\u5e45\u589e\u52a0\uff0cReserve Bank\u5f3a\u70c8\u6697\u793a\u4eca\u5e74\u62b5\u62bc\u8d37\u6b3e\u5229\u7387\u5c06\u4e0a\u5347\u2014\u2014\u53ef\u80fd\u4f1a\u4e0a\u5347\u6570\u500d\u3002<\/p>\n

\u6839\u636e\u6fb3\u5927\u5229\u4e9a\u592e\u884c\u7684\u6570\u636e\uff0c2 \u6708\u4efd\u5e94\u8ba1\u503a\u52a1\u5229\u606f\u589e\u957f 0.3% \u81f3 174 \u4ebf\u7f8e\u5143\u2014\u2014\u5c3d\u7ba1\u4ecd\u6bd4\u53bb\u5e74\u540c\u6708\u4f4e 11.4%\u3002<\/p>\n

\u5c3d\u7ba1\u5982\u6b64\uff0c\u7531\u4e8e\u503a\u52a1\u5df2\u7ecf\u8fde\u7eed\u56db\u4e2a\u6708\u4e0a\u5347\uff0c\u800c\u4e14\u968f\u7740\u6d77\u5916\u65c5\u884c\u7684\u5f00\u653e\u7a0b\u5ea6\u8d8a\u6765\u8d8a\u9ad8\uff0c\u4fe1\u7528\u5361\u7684\u4f7f\u7528\u80af\u5b9a\u4f1a\u968f\u4e4b\u589e\u52a0\uff0c\u8fd9\u4e00\u8d8b\u52bf\u53d8\u5f97\u8d8a\u6765\u8d8a\u660e\u663e\u3002<\/p>\n

\u867d\u7136\u4ef7\u683c\u4e00\u76f4\u5728\u5feb\u901f\u4e0a\u6da8\uff0c\u4f46\u5de5\u8d44\u5c1a\u672a\u8ddf\u8fdb\uff0c\u56e0\u6b64\u4e0d\u65ad\u589e\u52a0\u7684\u4fe1\u7528\u5361\u503a\u52a1\u4f59\u989d\u5bf9\u4ef7\u683c\u4e0a\u6da8\u8d77\u5230\u4e86\u4e00\u5b9a\u7684\u7f13\u51b2\u4f5c\u7528\u3002<\/p>\n

\u6fb3\u6d32\u8054\u50a8\u8b66\u544a\u8bf4\uff0c\u52a0\u606f\u53ef\u80fd\u4f1a\u4f7f\u623f\u5730\u4ea7\u7d27\u7f2915%<\/h2>\n

\u6fb3\u6d32\u8054\u50a8(RBA)\u7684\u6570\u636e\u786e\u5b9e\u8868\u660e\uff0c\u5229\u7387\u4e0a\u5347\u53ef\u80fd\u4f1a\u5e26\u6765\u5f88\u591a\u75db\u82e6\uff0c\u4f46\u5176\u4e2d\u5927\u90e8\u5206\u5c06\u88ab\u5305\u542b\u5728\u6700\u8fd1\u62e5\u6709\u5927\u989d\u62b5\u62bc\u8d37\u6b3e\u7684\u501f\u6b3e\u4eba\u8eab\u4e0a\u3002<\/p>\n

\u8be5\u94f6\u884c\u6bcf\u5e74\u4e24\u6b21\u7684\u91d1\u878d\u7a33\u5b9a\u8bc4\u4f30 (FSR) \u53d1\u73b0\uff0c\u5982\u679c\u5229\u7387\u4e0a\u5347 2%\uff0c\u623f\u4ef7\u53ef\u80fd\u4f1a\u4e0b\u8dcc\u591a\u8fbe 15%\uff0c\u5c3d\u7ba1\u5927\u591a\u6570\u5bb6\u5ead\u5728\u9762\u5bf9\u66f4\u9ad8\u7684\u5229\u7387\u65f6\u5c06\u5177\u6709\u5f39\u6027\uff0c\u8fd9\u603b\u4f53\u4e0a\u662f\u79ef\u6781\u7684\u3002<\/p>\n

\u62a5\u544a\u53d1\u73b0\uff1a\u201c\u5927\u591a\u6570\u8d1f\u503a\u5bb6\u5ead\u53d7\u76ca\u4e8e\u8fc7\u53bb\u4e00\u5e74\u623f\u4ef7\u7684\u5f3a\u52b2\u589e\u957f\uff0c\u518d\u52a0\u4e0a\u62b5\u62bc\u8d37\u6b3e\u8fd8\u6b3e\u989d\u8d85\u8fc7\u9884\u5b9a\u8981\u6c42\uff0c\u7edd\u5927\u591a\u6570\u5bb6\u5ead\u90fd\u79ef\u7d2f\u4e86\u5927\u91cf\u989d\u5916\u7684\u623f\u5c4b\u51c0\u503c\u3002\u201d<\/p>\n

\u5927\u591a\u6570\u8d37\u6b3e\u72b6\u51b5\u826f\u597d\u4f46\u8d1f\u8d44\u4ea7\u8feb\u5728\u7709\u776b<\/h2>\n

\u5927\u591a\u6570\u8d37\u6b3e\u7684\u72b6\u51b5\u4e5f\u76f8\u5f53\u4e0d\u9519\uff0c\u6fb3\u6d32\u8054\u50a8\u4f30\u8ba1\u53ea\u6709\u5927\u7ea6 5% \u7684\u8d37\u6b3e\u7684\u672a\u507f\u8d37\u6b3e\u4e0e\u4ef7\u503c\u6bd4\u7387 (LVR) \u5927\u4e8e 75%\u3002<\/p>\n

\u76f8\u6bd4\u4e4b\u4e0b\uff0c2020 \u5e74\u521d\u51e0\u4e4e\u6709\u56db\u5206\u4e4b\u4e00\u7684\u8d37\u6b3e\u3002<\/p>\n

\u8fd9\u610f\u5473\u7740\uff0c\u5bf9\u4e8e 95% \u7684\u501f\u6b3e\u4eba\u6765\u8bf4\uff0c\u623f\u4ef7\u4e0b\u8dcc\u8d85\u8fc7 25% \u624d\u4f1a\u4f7f\u4ed6\u4eec\u9677\u5165\u8d1f\u8d44\u4ea7\u3002<\/p>\n

\u8fbe\u5230\u8d1f\u8d44\u4ea7\u2014\u2014\u501f\u6b3e\u4eba\u6b20\u7684\u94b1\u8d85\u8fc7\u4e86\u623f\u5b50\u7684\u4ef7\u503c\u2014\u2014\u901a\u5e38\u88ab\u89c6\u4e3a\u8fdd\u7ea6\u98ce\u9669\u5927\u5927\u589e\u52a0\u7684\u89e6\u53d1\u56e0\u7d20\u3002<\/p>\n

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\u5229\u7387\u4e0a\u5347\u5c06\u8feb\u4f7f\u8fd8\u6b3e\u989d\u66f4\u9ad8<\/h2>\n

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\u663e\u7136\uff0c\u5f53\u4ed6\u4eec\u7684\u8d37\u6b3e\u6700\u7ec8\u5230\u671f\u5e76\u9700\u8981\u91cd\u65b0\u8c08\u5224\u65f6\uff0c\u90a3\u4e9b\u4f4e\u56fa\u5b9a\u62b5\u62bc\u8d37\u6b3e\u7684\u4eba\u4e5f\u53ef\u80fd\u9762\u4e34\u5927\u5e45\u52a0\u606f\u3002<\/p>\n

\u6fb3\u6d32\u8054\u50a8\u5206\u6790\u53d1\u73b0\uff0c\u5927\u591a\u6570\u501f\u6b3e\u4eba\u5e94\u8be5\u80fd\u591f\u76f8\u5bf9\u8f7b\u677e\u5730\u5e94\u5bf9\u8fd9\u4e9b\u8f83\u9ad8\u7684\u8fd8\u6b3e\u989d\uff0c40% \u7684\u501f\u6b3e\u4eba\u5df2\u7ecf\u5e73\u5747\u6bcf\u6708\u8fd8\u6b3e\uff0c\u8db3\u4ee5\u5f25\u8865\u6700\u4f4e\u8fd8\u6b3e\u989d\u7684\u589e\u52a0\u3002<\/p>\n

\u53e6\u6709 20% \u7684\u4eba\u7684\u8fd8\u6b3e\u989d\u6bd4\u76ee\u524d\u7684\u8fd8\u6b3e\u989d\u589e\u52a0\u4e0d\u8d85\u8fc7 20%\uff0c\u5c3d\u7ba1\u4e94\u5206\u4e4b\u4e00\u7684\u501f\u6b3e\u4eba\u5904\u4e8e\u5371\u9669\u533a\u57df\uff0c\u4ed6\u4eec\u7684\u6700\u4f4e\u8fd8\u6b3e\u989d\u589e\u52a0\u4e86 40% \u6216\u66f4\u591a\u3002<\/p>\n

\u5de8\u989d\u503a\u52a1\u4f34\u968f\u7740\u4f4e\u50a8\u84c4<\/h2>\n

\u4e0e\u666e\u901a\u62b5\u62bc\u8d37\u6b3e\u5ba2\u6237\u76f8\u6bd4\uff0c\u8fd9\u4e9b\u8d1f\u503a\u8f83\u91cd\u7684\u501f\u6b3e\u4eba\u7684\u7d2f\u79ef\u50a8\u84c4\u548c\u8d37\u6b3e\u8fd8\u6b3e\u7f13\u51b2\u5f80\u5f80\u8f83\u4f4e\uff0c\u8fd9\u4f7f\u4ed6\u4eec\u66f4\u5bb9\u6613\u8fdd\u7ea6\u3002<\/p>\n

\u5e73\u5747\u501f\u6b3e\u4eba\u7684\u7f13\u51b2\u671f\u7ea6\u4e3a 45 \u4e2a\u6708\uff08\u6309\u5f53\u524d\u5229\u7387\u8ba1\u7b97\uff09\uff0c\u800c\u4e2d\u7b49\u6216\u4e2d\u4f4d\u501f\u6b3e\u4eba\u7684\u7f13\u51b2\u671f\u7ea6\u4e3a 21 \u4e2a\u6708\uff0c\u8fdc\u9ad8\u4e8e\u5927\u6d41\u884c\u5f00\u59cb\u65f6\u7684 10 \u4e2a\u6708\u3002<\/p>\n

\u7136\u800c\uff0c\u5728\u8fd8\u6b3e\u989d\u5c06\u589e\u52a0 30% \u6216\u66f4\u591a\u7684\u56db\u5206\u4e4b\u4e00\u501f\u6b3e\u4eba\u4e2d\uff0c\u53ea\u6709\u5927\u7ea6\u4e00\u534a\u7684\u4eba\u79ef\u7d2f\u4e86\u81f3\u5c11\u76f8\u5f53\u4e8e\u5176\u5f53\u524d\u8fd8\u6b3e\u4e00\u5e74\u7684\u8d85\u989d\u8fd8\u6b3e\u7f13\u51b2\u3002<\/p>\n

\u6700\u8fd1\u7684\u4e70\u5bb6\u63a5\u8fd1\u62b5\u62bc\u8d37\u6b3e\u538b\u529b<\/h2>\n

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\u6700\u6e05\u695a\u5730\u8868\u660e\uff0c\u5982\u679c\u5229\u7387\u63d0\u9ad8 2%\uff0c\u9762\u4e34\u507f\u503a\u7387\u9ad8\u4e8e 30% \u7684\u501f\u6b3e\u4eba\u6bd4\u4f8b\u5c06\u4ece 10% \u5de6\u53f3\u7ffb\u500d\u81f3\u7565\u4f4e\u4e8e 20%\u3002<\/p>\n

\u507f\u503a\u7387\u9ad8\u4e8e\u6536\u5165\u7684 30% \u901a\u5e38\u88ab\u8ba4\u4e3a\u8868\u660e\u501f\u6b3e\u4eba\u5904\u4e8e\u62b5\u62bc\u8d37\u6b3e\u538b\u529b\u4e4b\u4e0b\u3002<\/p>\n

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\u624d\u4f1a\u4f7f\u4ed6\u4eec\u9677\u5165\u8d1f\u8d44\u4ea7\u3002 \u8fbe\u5230\u8d1f\u8d44\u4ea7\u2014\u2014\u501f\u6b3e\u4eba\u6b20\u7684\u94b1\u8d85\u8fc7\u4e86\u623f\u5b50\u7684\u4ef7\u503c\u2014\u2014\u901a\u5e38\u88ab\u89c6\u4e3a\u8fdd\u7ea6\u98ce\u9669\u5927\u5927\u589e\u52a0\u7684\u89e6\u53d1\u56e0\u7d20\u3002 \u6fb3\u6d32\u8054\u50a8\u53d1\u73b0\uff1a\u201c\u8d1f\u8d44\u4ea7\u4e2d\u7684\u8d37\u6b3e\u4efd\u989d\u4f30\u8ba1\u4e5f\u975e\u5e38\u4f4e\uff0c\u4ece 2020 \u5e74 1 \u6708\u7684 2.25% \u4e0b\u964d\u4e0d\u5230 0.25%\uff0c\u201d\u5c3d\u7ba1\u5982\u679c\u623f\u5c4b\u4ef7\u503c\u5f00\u59cb\u9006\u8f6c\uff0c\u8fd9\u79cd\u60c5\u51b5\u53ef\u80fd\u4f1a\u8fc5\u901f\u6539\u53d8\u3002 \u5229\u7387\u4e0a\u5347\u5c06\u8feb\u4f7f\u8fd8\u6b3e\u989d\u66f4\u9ad8 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