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大卫·拉普卡是美国康涅狄格州一家计算机公司的职员,今年35岁。他从银行贷款买房、买车,总共背了25万美元的债。这些钱需要他还到50岁。在美国,借钱消费的观念由来已久,像大卫这样的人很多。据统计,美国人收入的80%用于消费,10%用于还贷,平均每个家庭的存款不足1万美元。大卫说,在他奶奶时代,他家就曾向银行分期付款买了一台彩电。50年前,彩电在美国还是新鲜物。当时,它的价格很贵,几乎
David Lapuka, a computer company in Connecticut, USA, is 35 years old. He bought a house from a bank loan and bought a car, carrying a total of 250,000 U.S. dollars in debt. The money needs him to be 50 years old. In the United States, the idea of borrowing money for a long time, many people like David. According to statistics, 80% of Americans’ income is for consumption, 10% is for repayments, and the average family has less than $ 10,000 in deposits. David said that in his grandmother’s time, his family had to bank installment bought a color TV. 50 years ago, color TV in the United States is still fresh. At the time, it was expensive, almost