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个月调查显示，美国80后（出生于1980年以后的人群）越来越倾向于通过租赁的形式获得新车，而不是通过现金支付购买新车。

　　

　　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.

　　

　　汽车消费者调查公司，Edmunds.com通过分析汽车登记数据发现，2015年上半年80后购车时有28.9%的人群通过租赁购车。

　　

　　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.

　　

　　租赁汽车人群中80后占26.7%，较过去5年上涨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.

　　

　　汽车调查公司认为，80后意识到他们预算和能力的局限性，这使他们更倾向于租赁汽车而不是购买汽车。

　　

　　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公司行业分析主管Jessica Caldwell认为：“大多数80后承认其预算紧张，而且这种情况要持续一段时间。

　　

　　“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.”

　　

　　“但这不意味着资金紧张会限制他们只能选择非A即B的最基本车型。”

　　

　　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：“如果他们有机会换一辆配置更好的车，而且在预算之内，那么他们愿意尝试。大部分情况下，租赁为80后获得他们负担不起的高配置汽车敞开大门。”

　　

　　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月的一份调查显示，57%的80后受访者认为他们最多只能花费2,999美元购买一辆新车，54.9%的80后受访者认为他们每月最多只能支付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.

　　

　　这些参数表明，想购买汽车的80后购车人群只能选择2万美元以下的汽车。但是如果租赁汽车，80后购车人群可以获得最高价值3.5万美元的汽车或卡车。

　　

　　Fastest growing segment

　　

　　增长迅速的群体

　　

　　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.

　　

　　据TransUnion的研究表明，80后人群是汽车贷款消费者中增长最快的部分，这也证明了一个广泛认可的结论，年轻消费者不愿购买汽车。

　　

　　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最新的汽车贷款季度报告发现，在过去一年中，1981年以后出生的80后未偿还汽车贷款总余额增加23%，是各个年龄段中汽车贷款余额增幅最大的群体。

　　

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

　　

　　2014年80后的平均期初贷款余额，较2013年的17,942美元增长4.1%，达18,678美元。

　　

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

　　

　　目前80后占总汽车贷款发放的27%，而2009年仅占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高级副总裁、汽车业务主管，Jason Laky表示：“80后汽车贷款发放增长打破了80后不购买汽车的神话。

　　

　　“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后增长的贷款平均余额和稳定的违约率，表明汽车贷款环境强健。”

　　

　　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的调查与之前Edmunds公布的MTV调查异曲同工，都发现8/10的80后受访人群视汽车为他们这代人要购买的重要物品。

　　

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

　　

　　事实上，该调查发现，80后人群把汽车等同于手机，都视为社交工具。

　　

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

　　

　　Cauldwell总结认为：“80后并不像我们之前所认为的那样不想拥有汽车。”

　　

　　资料来源:全球金融资产

　　

　　翻译：中国租赁联盟、天津滨海融资租赁研究院 张媛

　　

　　编审：中国租赁联盟、天津滨海融资租赁研究院 季健霞

　　

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