美国家庭富裕度衰退到1992年的水平
概述：随着经济萧条和通货膨胀，美国家庭富裕度衰退到1992年的水平，其中房地产不景气则造成了很大的影响~~PS：音频1'52秒处有个口误，单词不用重复写出~
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Federal Reserve
Great Recession
Lawrence Yun
National Association of Realtors
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答疑：Silvanus_sshttp://t1.g.hjfile.cn/listen/201206/201206200843472513847.mp3This week, the Federal Reserve, the central bank, reported on changes in family finances from 2007 to 2010. Part of that three-year period has been called the Great Recession. So how much wealth did the recession and slow recovery destroy? The report says the median net worth of families in 2010 was close to the same levels as in 1992.
Median means the point where half the families were higher and half were lower. Net worth is what remains after subtracting debts from the value of homes, bank savings and other assets.
Median net worth was $126,400 in 2007. Three years later it was down to $77,300. The numbers are corrected for inflation.
The report says falling home prices as a result of the collapse of the housing market caused most of the drop in wealth.
Lawrence Yun is chief economist of the National Association of Realtors. He says falling home prices make families less willing to spend money.
"A decline in home value has a major impact on the economy because for most homeowners the largest wealth holding is in their housing. And, therefore, if the home values decline, it makes the homeowners much more conservative about their spending outlook."
Mr. Yun says there are signs that the housing market is improving.这周，美联储，即美国中央银行，公布了2007年至2010年美国家庭财产的变化情况。这三年中有一段时间被称为“大萧条时期”。那么这次的大萧条和其缓慢的恢复速度造成了多大的财产损失呢？这份报告称2010年家庭净资产中位数接近1992年同等水平。
中位数是指中间值，一半的家庭净资产值比它大，一半比它小。净资产是指除去房贷后房子的价值，银行存款和其他资产。
2007年美国家庭净资产中位数是126400美元。3年后后，这个数字跌至77300美元。这是修正通货膨胀影响后的数字。
这份报告称，由于房地产市场泡沫造成的房价下跌是住房贬值的主要原因。
美国国家房产协会（the National Association of Realtors）首席经济学家劳伦斯·云（Lawrence Yun）称，房价下跌使家庭消费意愿下降。
他说：“住房贬值对经济产生重大影响，因为对大多数房主来说，房产是他们最重要的财产。所以，如果住房继续贬值，就会使房主对他们的消费前景持更加保守的态度。”
云先生认为房地产市场有正在回暖的迹象。
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