[雙語(yǔ)新聞] 欠債讓生活更美好

 

Being crushed under a mountain of debt is typically frowned upon.
Not being able to pay for goods outright, and then being hit by extortionate interest rates which spiral out of control, is the stuff of financial nightmares.
But new research has suggested this could actually be a dream scenario for many young adults.
It claims those saddling themselves with credit card debt will feel empowered and have better self-esteem.
"Debt can be a good thing for young people - it can help them achieve goals that they couldn't otherwise, like a college education," said Ohio State University assistant sociology professor Rachel Dwyer.
Her study found that 18 to 27-year-olds who had huge credit card and university loan debts had better self-esteem than their peers.
They also felt as if they were more in control of their lives, especially those in the lower economic classes.
Only the oldest of those studied, between 28 and 34, began showing signs of stress about the money they owed.
Professor Dwyer said her team was "surprised" at the results of her research into 3,079 young adults which examined data on two types of debt - loans taken out to pay for university and total credit card bills.
She said: "We thought educational debt might be seen as a positive because it is an investment in their future, while credit card debt could be viewed more negatively. Surprisingly, though, we found that both kinds of debt had positive effects for young people. It didn't matter the type of debt, it increased their self-esteem and sense of mastery."
But Professor Dwyer also said that Debt may make young people feel better about themselves in the short-term, but that doesn't mean it won't have negative consequences in the long term.
"How debt affected young people depended on what other financial resources they had available," she said.

欠一屁股債可不是一件讓人覺(jué)得輕松的事情。
喜歡的東西買不起，硬著頭皮買下來(lái)又得承受高額利息，這簡(jiǎn)直就是財(cái)務(wù)噩夢(mèng)。
不過(guò)一項(xiàng)最新的研究表明，欠債實(shí)際上能激勵(lì)年輕人實(shí)現(xiàn)夢(mèng)想。
根據(jù)這項(xiàng)調(diào)查的說(shuō)法，欠信用卡卡債能讓人感覺(jué)更有力量，因而生活得更自信。
俄亥俄州立大學(xué)社會(huì)學(xué)助理教授瑞秋•多伊爾說(shuō)：“年輕人欠點(diǎn)兒債沒(méi)什么不好的——這樣可以幫助他們實(shí)現(xiàn)奮斗目標(biāo)，比如上大學(xué)。”
經(jīng)調(diào)查她發(fā)現(xiàn)，在年齡為18至27歲之間的人群中，那些身負(fù)巨額債務(wù)或助學(xué)貸款的年輕人要比他們的沒(méi)有債務(wù)負(fù)擔(dān)的同齡人更自信
尤其是那些來(lái)自低收入家庭的孩子，他們會(huì)因債務(wù)而對(duì)自己的生活有更強(qiáng)的掌控感。
只有那些年紀(jì)較大，在28至34歲間的人才會(huì)因?yàn)榍穫陡袎毫Α?br /> 多伊爾教授表示，她的研究小組在調(diào)查了3079名年輕人后發(fā)現(xiàn)，他們所欠的債務(wù)主要來(lái)自助學(xué)貸款和銀行信用卡，這樣的結(jié)果讓她們很驚訝。
她說(shuō)：“按照我們的想法，助學(xué)貸款是在為他們的未來(lái)做投資，這沒(méi)有什么不對(duì)的，而信用卡則是鼓勵(lì)提前消費(fèi)，負(fù)面影響較大。但是我們卻發(fā)現(xiàn)這兩種債務(wù)都有其積極的一面，這點(diǎn)很叫我們吃驚。不管是哪種債務(wù)，它們都能增加這些年輕人的自信心和對(duì)生活的掌控能力。”
不過(guò)多伊爾教授同時(shí)也表示，欠債或許在短時(shí)間內(nèi)讓這些年輕人自我感覺(jué)良好，但從長(zhǎng)遠(yuǎn)來(lái)看，這并不意味著就沒(méi)有任何負(fù)面影響。
她說(shuō)：“債務(wù)對(duì)年輕人會(huì)產(chǎn)生什么樣的影響取決于他們是否有其他經(jīng)濟(jì)來(lái)源。”