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Americans' financial fragility largely unchanged in 2022, NY Fed says

22 Tháng Mười Một 2022
Americans' financial fragility largely unchanged in 2022, NY Fed says © Reuters. FILE PHOTO: The Federal Reserve building is pictured in Washington, DC, U.S., August 22, 2018. REUTERS/Chris Wattie/File Photo

By Michael S. Derby

NEW YORK (Reuters) - Americans' ability to meet a large unexpected expense was little changed in the New York Federal Reserve's latest survey on credit issues, even as respondents to the poll said they might need to take on more credit in the coming months.

The regional Fed bank said in its latest Credit Access Survey, which was released on Monday and details developments for this year, that respondents reported "a slight increase in the subjective financial fragility of U.S. households." Those who said they could come up with $2,000 to meet an unexpected expense ebbed slightly to 67.5% for the year, versus 68.2% who said they could do so in 2021.

There was also little change among those who said they might need $2,000 unexpectedly, according to the New York Fed report, which concluded that both measures have been little changed since 2015, even as the coronavirus pandemic roiled the economy.

The New York Fed report also found that overall there has been "a decline in consumer credit demand in 2022, with most credit application rates stable or weakening, except for a rise in credit card applications."

But it added that households expect next year to see reduced demand for housing and auto loans, even as they foresee an uptick in applying for credit cards or seeking higher credit limits on existing cards.

The report was released as the U.S. central bank presses ahead with aggressive interest rate increases that are aimed at lowering high levels of inflation.

Fed officials are trying to boost the cost of credit to better balance demand with available levels of supply, but that is creating pressure on Americans in the form of much more expensive loans for homes and cars. Fed policy is also expected to drive up unemployment, although the job market has remained resilient so far.

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08-12-2022 16:26:43 (UTC+7)

EUR/USD

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EUR/USD

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GBP/USD

1.2165

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USD/JPY

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AUD/USD

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USD/CAD

1.3684

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EUR/JPY

143.87

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0.9886

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Gold Futures

1,795.10

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Silver Futures

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US Coffee C Futures

160.90

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Euro Stoxx 50

3,924.75

+3.85 (+0.10%)

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S&P 500

3,933.92

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DAX

14,261.05

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FTSE 100

7,485.28

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19,450.23

+635.41 (+3.38%)

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US Small Cap 2000

1,806.90

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IBEX 35

8,278.44

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47.355

-0.070 (-0.15%)

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Bayer AG NA

52.63

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Allianz SE VNA O.N.

204.25

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Adidas AG

116.32

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Deutsche Lufthansa AG

7.708

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Siemens AG Class N

133.3

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9.98

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 EUR/USD1.0506↑ Sell
 GBP/USD1.2165↑ Sell
 USD/JPY136.93↑ Buy
 AUD/USD0.6716Sell
 USD/CAD1.3684↑ Buy
 EUR/JPY143.87↑ Sell
 EUR/CHF0.9886↑ Sell
 Gold1,795.10↑ Sell
 Silver22.922Sell
 Copper3.8617↑ Sell
 Crude Oil WTI72.58↑ Sell
 Brent Oil77.61↑ Sell
 Natural Gas5.790↑ Sell
 US Coffee C160.90↑ Buy
 Euro Stoxx 503,924.75↑ Buy
 S&P 5003,933.92↑ Buy
 DAX14,261.05Neutral
 FTSE 1007,485.28Buy
 Hang Seng19,450.23Neutral
 Small Cap 20001,806.90↑ Buy
 IBEX 358,278.44Buy
 BASF47.355↑ Buy
 Bayer52.63Buy
 Allianz204.25↑ Buy
 Adidas116.32↑ Buy
 Lufthansa7.708↑ Sell
 Siemens AG133.3↑ Buy
 Deutsche Bank AG9.98↑ Buy
Mua/Bán 1 chỉ SJC
# So hôm qua # Chênh TG
SJC Eximbank6,650/ 6,720
(60/ 60) # 1,584
SJC HCM6,635/ 6,715
(25/ 25) # 1,580
SJC Hanoi6,635/ 6,717
(25/ 25) # 1,582
SJC Danang6,635/ 6,717
(25/ 25) # 1,582
SJC Nhatrang6,635/ 6,717
(25/ 25) # 1,582
SJC Cantho6,635/ 6,717
(25/ 25) # 1,582
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JPY168,78178,68
KRW15,5718,97
Cập nhật lúc 16:21:35 08/12/2022
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