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　　During the first six months of 2015, millennials (those born after 1980) in the US were significantly more likely to lease a new auto than the cash-paying car-buying population.

　　

　　2015年前6個(gè)月調(diào)查顯示，美國(guó)80后（出生于1980年以后的人群）越來(lái)越傾向于通過(guò)租賃的形式獲得新車，而不是通過(guò)現(xiàn)金支付購(gòu)買新車。

　　

　　Automobile consumer research firm Edmunds.com analyzed car registration data and found that in H1 2015 leases accounted for 28.9% of millennial car purchases.

　　

　　汽車消費(fèi)者調(diào)查公司，Edmunds.com通過(guò)分析汽車登記數(shù)據(jù)發(fā)現(xiàn)，2015年上半年80后購(gòu)車時(shí)有28.9%的人群通過(guò)租賃購(gòu)車。

　　

　　This compared to an overall lease penetration rate of 26.7% and represented a 46% increase in millennial car leasing over the last five years.

　　

　　租賃汽車人群中80后占26.7%，較過(guò)去5年上漲46%。

　　

　　The car research firm attributed the trend to millennials’ awareness of their budget limitations and ability to lease more cars than they would be able to buy.

　　

　　汽車調(diào)查公司認(rèn)為，80后意識(shí)到他們預(yù)算和能力的局限性，這使他們更傾向于租賃汽車而不是購(gòu)買汽車。

　　

　　Jessica Caldwell, director of industry analysis at Edmunds said: "Most millennials understand and accept that they're on a tight budget and that they need to stick to it.

　　

　　Edmunds公司行業(yè)分析主管Jessica Caldwell認(rèn)為：“大多數(shù)80后承認(rèn)其預(yù)算緊張，而且這種情況要持續(xù)一段時(shí)間。

　　

　　“But it doesn't mean that their financial constraints limit them only to the most basic vehicles to get from Point A to Point B.”

　　

　　“但這不意味著資金緊張會(huì)限制他們只能選擇非A即B的最基本車型。”

　　

　　She added: “If they see a chance to get into a nicer car while staying within their budget, they are likely to explore that opportunity. In most cases, leasing opens the door to the bells and whistles that they couldn't otherwise afford."

　　

　　她表示：“如果他們有機(jī)會(huì)換一輛配置更好的車，而且在預(yù)算之內(nèi)，那么他們?cè)敢鈬L試。大部分情況下，租賃為80后獲得他們負(fù)擔(dān)不起的高配置汽車敞開(kāi)大門(mén)。”

　　

　　Cauldwell pointed to a June survey of millennials in which 57% said they would put no more than $2,999 down toward a new car purchase and 54.9% said they would pay no more than $299 per month.

　　

　　Cauldwell指出，6月的一份調(diào)查顯示，57%的80后受訪者認(rèn)為他們最多只能花費(fèi)2,999美元購(gòu)買一輛新車，54.9%的80后受訪者認(rèn)為他們每月最多只能支付299美元。

　　

　　By staying within those parameters, millennial car shoppers who wanted to finance an auto purchase would be limited to vehicles priced under $20,000. But if they leased a car, millennial car shoppers would be able to afford a car or truck priced up to $35,000.

　　

　　這些參數(shù)表明，想購(gòu)買汽車的80后購(gòu)車人群只能選擇2萬(wàn)美元以下的汽車。但是如果租賃汽車，80后購(gòu)車人群可以獲得最高價(jià)值3.5萬(wàn)美元的汽車或卡車。

　　

　　Fastest growing segment

　　

　　增長(zhǎng)迅速的群體

　　

　　According to a different study taken by TransUnion, the millennial generation is the fastest-growing segment of auto-loan consumers, debunking a widely held belief that younger consumers are shunning car purchases.

　　

　　據(jù)TransUnion的研究表明，80后人群是汽車貸款消費(fèi)者中增長(zhǎng)最快的部分，這也證明了一個(gè)廣泛認(rèn)可的結(jié)論，年輕消費(fèi)者不愿購(gòu)買汽車。

　　

　　TransUnion’s latest quarterly auto-loans report found that those born since 1981 (millennials), have increased their total outstanding auto-loan balances by 23% in the past year, the biggest jump of any age group.

　　

　　TransUnion最新的汽車貸款季度報(bào)告發(fā)現(xiàn)，在過(guò)去一年中，1981年以后出生的80后未償還汽車貸款總余額增加23%，是各個(gè)年齡段中汽車貸款余額增幅最大的群體。

　　

　　Their average opening loan balances grew by 4.1% in 2014, up to $18,678 from $17,942 in 2013.

　　

　　2014年80后的平均期初貸款余額，較2013年的17,942美元增長(zhǎng)4.1%，達(dá)18,678美元。

　　

　　Millennials now account for 27% of total vehicle-loan originations, compared to 16% in 2009.

　　

　　目前80后占總汽車貸款發(fā)放的27%，而2009年僅占16%。

　　

　　Jason Laky, senior vice president and automotive business leader for TransUnion stated: "The growth in Millennials' auto-loan originations dispels the common myth that Millennials are not buying cars.

　　

　　TransUnion高級(jí)副總裁、汽車業(yè)務(wù)主管，Jason Laky表示：“80后汽車貸款發(fā)放增長(zhǎng)打破了80后不購(gòu)買汽車的神話。

　　

　　“The growing average-loan balances for Millennials, combined with stable delinquency rates, indicate that we are still in the midst of a strong auto-lending environment."

　　

　　“80后增長(zhǎng)的貸款平均余額和穩(wěn)定的違約率，表明汽車貸款環(huán)境強(qiáng)健。”

　　

　　The TransUnion findings echo an earlier MTV study, which, as reported by Edmunds, determined that eight in 10 millennials surveyed viewed cars as the one big-ticket item people of their generation purchase.

　　

　　TransUnion的調(diào)查與之前Edmunds公布的MTV調(diào)查異曲同工，都發(fā)現(xiàn)8/10的80后受訪人群視汽車為他們這代人要購(gòu)買的重要物品。

　　

　　In fact, the study found that millennials equate their cars to their phones when it comes to social connections.

　　

　　事實(shí)上，該調(diào)查發(fā)現(xiàn)，80后人群把汽車等同于手機(jī)，都視為社交工具。

　　

　　Cauldwell concluded: “It appears that the Millennials aren't as auto-averse as we had previously been led to believe.”

　　

　　Cauldwell總結(jié)認(rèn)為：“80后并不像我們之前所認(rèn)為的那樣不想擁有汽車。”

　　

　　資料來(lái)源:全球金融資產(chǎn)

　　

　　翻譯：中國(guó)租賃聯(lián)盟、天津?yàn)I海融資租賃研究院 張媛

　　

　　編審：中國(guó)租賃聯(lián)盟、天津?yàn)I海融資租賃研究院 季健霞

　　

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