正文翻譯

UK households suffer biggest fall in available cash in eight years
-Cashflow hit by rising expenses amid surging bills and impact of Omicron, finds quarterly study

英國(guó)家庭可支配現(xiàn)金出現(xiàn)了8年來(lái)的最大降幅
——季度研究發(fā)現(xiàn)，由于賬單飆升和奧密克戎的影響，現(xiàn)金流受到了支出增加的打擊

(Households’ financial wellbeing has deteriorated at the fastest rate since early 2020.)

（家庭財(cái)務(wù)狀況以2020年初以來(lái)最快的速度惡化）
新聞：

UK households have suffered the sharpest fall in the amount of cash they have available to spend for almost eight years, amid a worsening cost of living crisis driven by high inflation and rising energy bills.

英國(guó)家庭可用于支出的現(xiàn)金數(shù)量出現(xiàn)了近8年來(lái)的最大降幅，高通脹和不斷上漲的能源賬單導(dǎo)致生活成本危機(jī)惡化。

According to a report by the insurer Scottish Widows, increasing living costs at the end of last year hit people’s pockets and led to the steepest decline in cash availability since the start of 2014.

根據(jù)蘇格蘭孤寡基金保險(xiǎn)的一份報(bào)告，去年年底生活成本的增加使人們的口袋受到?jīng)_擊，導(dǎo)致可支配現(xiàn)金出現(xiàn)了2014年初以來(lái)的最大降幅。

It said people were increasingly pessimistic about their future finances in 2022, according to the latest reading from its quarterly household finance index.

根據(jù)其季度家庭財(cái)務(wù)指數(shù)的最新讀數(shù)，該機(jī)構(gòu)表示，人們對(duì)2022年未來(lái)的財(cái)務(wù)狀況越來(lái)越悲觀。
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The poll of 1,500 individuals, compiled by Ipsos Mori and IHS Markit on behalf of the insurer, found that pressure intensified on savings and disposable income in the final months of 2021, with both declining quicker than at anytime in over the past seven years.

這項(xiàng)由益普索·莫里和IHS Markit代表該保險(xiǎn)公司對(duì)1500名個(gè)人進(jìn)行的調(diào)查發(fā)現(xiàn)，在2021年的最后幾個(gè)月，儲(chǔ)蓄和可支配收入的壓力加劇，兩者的下降速度都超過(guò)了過(guò)去7年的任何時(shí)候。

The index, which measures households’ overall perceptions of financial wellbeing, fell from 44 in the third quarter to 40.1 in the final quarter of 2021, the lowest reading since the second quarter of 2020 when Covid-19 first spread. A figure above 50 signals an improvement as opposed to a deterioration.

衡量家庭整體財(cái)務(wù)狀況的該指數(shù)從第三季度的44下降到2021年第四季度的40.1，這是自新冠病毒首次傳播的2020年第二季度以來(lái)的最低水平。該指數(shù)高于50時(shí)表明情況有所改善，而不是惡化。

It comes as a separate report from the Royal Society for Arts said young adults were among the hardest hit by the cost of living crisis, in a warning that the damage to their finances from inflation, student debt, and rising taxes risked creating a new “generation precariat”.

英國(guó)皇家藝術(shù)學(xué)會(huì)的另一份報(bào)告稱，年輕成年人是受生活成本危機(jī)影響最嚴(yán)重的群體之一，并警告稱，通脹、學(xué)生債務(wù)和稅收上漲對(duì)他們的財(cái)務(wù)造成的損害可能會(huì)造就新一代“不穩(wěn)定人士”。

According to a survey of 1,000 young adults by the thinktank, researchers found almost half (47%) were unable or just about managing to make ends meet each month, or had an income that varied significantly from paycheck to paycheck.

根據(jù)該智庫(kù)對(duì)1000名年輕人的調(diào)查，研究人員發(fā)現(xiàn)近一半（47%）的人每月都無(wú)法或勉強(qiáng)維持收支平衡，或者收入因不同的薪水而有很大差異。

With inflation at the highest level in a decade, ministers are coming under growing pressure to act on living standards ahead of an expected sharp increase in gas and electricity prices for British consumers from April.

隨著英國(guó)通脹率達(dá)到10年來(lái)的最高水平，大臣們面臨著越來(lái)越大的壓力，要求他們?cè)谟?guó)消費(fèi)者的天然氣和電力價(jià)格預(yù)計(jì)將從4月起大幅上漲之前，在（改善）生活水平方面采取行動(dòng)。
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According to the RSA study, carried out as part of an inquiry by the Health Foundation thinktank into young people’s health, those living in financially precarious situations were far more likely to be worried about their mental and physical health.

英國(guó)皇家藝術(shù)學(xué)會(huì)的這項(xiàng)研究是健康基金會(huì)智庫(kù)對(duì)年輕人健康進(jìn)行調(diào)查的一部分，研究表明，那些生活在經(jīng)濟(jì)不穩(wěn)定狀況下的年輕人更有可能擔(dān)心自己的身心健康。

It found that just 41% of young people believed others like them would ever be able to buy their own home, and only 51% thought they would ever earn enough to support a family. Just over half (51%) said they thought young people like them would not be able to retire and live comfortably when the time comes.

調(diào)查發(fā)現(xiàn)，只有41%的年輕人認(rèn)為像他們這樣的人有能力購(gòu)買自己的房子，只有51%的人認(rèn)為他們能賺到足夠的錢養(yǎng)家。略超過(guò)半數(shù)（51%）的人表示，他們認(rèn)為像他們這樣的年輕人無(wú)法在退休后過(guò)上舒適的生活。

The researchers said young adults risked a tougher squeeze than other age groups as the government’s “national living wage” for under-23s was lower than the headline rate of ￡8.91 an hour. The legal pay floor will go up to ￡9.50 from April for those aged 23 and over, while there will also be increases for those in younger age brackets.

研究人員表示，與其他年齡段的人相比，年輕人面臨的壓力更大，因?yàn)檎疄?3歲以下人群制定的“國(guó)家最低生活工資”低于每小時(shí)8.91英鎊的總體水平。從4月起，23歲及以上人群的法定最低工資將提高到9.5英鎊，而年齡較低的人群也將有所增加。

The RSA also noted that the government was considering lowering the repayment threshold on student loans to ￡22,000 from ￡27,295 at present, which would have the effect of reducing incomes for graduates.

英國(guó)皇家藝術(shù)學(xué)會(huì)還指出，政府正在考慮將學(xué)生貸款的償還門檻從目前的27295英鎊降低到22000英鎊，這將會(huì)減少畢業(yè)生的收入。

Fran Landreth Strong, an RSA researcher and lead author of the report, said: “Young people across the UK face a toxic cocktail of inadequate work and safety nets, high levels of debt, and a rising cost of living.

英國(guó)皇家藝術(shù)學(xué)會(huì)研究員、該報(bào)告的主要作者弗蘭·蘭德里斯·斯特朗說(shuō)：“全英國(guó)的年輕人都面臨著工作和社會(huì)保障不足、高水平的債務(wù)和不斷上升的生活成本的‘有毒雞尾酒’。

“Our research shows that this results in a worrying number of young people facing financial precarity, with significant impact on their mental and physical health and their confidence about the future. Without proper action, we risk creating a ‘generation precariat’, unable to invest in their futures and move confidently into adulthood.”

“我們的研究表明，這導(dǎo)致越來(lái)越多的年輕人面臨經(jīng)濟(jì)不穩(wěn)定，這對(duì)他們的身心健康和對(duì)未來(lái)的信心產(chǎn)生了重大影響。如果不采取適當(dāng)?shù)男袆?dòng)，我們可能會(huì)創(chuàng)造出‘不穩(wěn)定的一代’，他們無(wú)法為自己的未來(lái)投資，也無(wú)法自信地步入成年?！?/p>