德国安联保险集团近日发布的《全球财富报告》（Global Wealth Report）指出，得益于美元走强以及国民不再大手大脚花钱，变得积极储蓄，美国取代了瑞士，再次成为全球最富有的国家。
据《全球财富报告》显示，去年，美国人均金融资产净额达184411欧元（合203128美元），超过了自2017年来蝉联该榜榜首的瑞士。
图 via allianz.com
According to the latest Global Wealth Report published by German insurer Allianz, the average net financial assets of people living in the United States is €184,411 ($203,128) per capita against €173,838 for Switzerland. The figures given are for 2018.
根据德国安联保险集团发布的最新《全球财富报告》，美国人均金融资产净额为184411欧元（合203128美元），而瑞士为173838欧元。这些数据来自2018年。
▲US beats Switzerland in ‘richest nation’ rating, while global wealth slumps due to trade war & Brexit (via RT)
报告分析道，美国财富排名的上升得益于美元的走强，以及国民储蓄的增加。
The rise of the US to the top of the wealth list is largely due to the strength of the dollar, the report claims. It also states that US households are the main driver in the increase in the global flow of funds – two-thirds of all savings in industrialized countries originated in the US.
报告称，美国荣登财富排行榜榜首，在很大程度上是由于美元走强。报告还指出，美国家庭是全球资金流动增加的主要驱动力——工业化国家三分之二的储蓄源自美国。
Fresh savings set a record globally, increasing by 22 percent to more than €2,700 billion. The report attributes this to last year’s US tax reform, which was followed by US citizens upping their fresh savings by an eyebrow-raising 46 percent.
美国新增储蓄创下了全球记录，增长22%，金额超过2.7万亿欧元。报告将此归因于去年美国的税收改革，随之而来的是美国公民增加了他们的新储蓄，达到惊人的46%。
▲US beats Switzerland in ‘richest nation’ rating, while global wealth slumps due to trade war & Brexit (via RT)
图 via Reuters
从具体的储蓄类型来看，除了美国家庭倾向增加证券金融资产之外，其他国家的家庭都更青睐银行存款。
The analysis of fresh savings in 2018 reveals another peculiarity: Savers seemed to turn their backs on the asset class of insurance and pensions. Its share in total fresh savings has fallen from more than 50% before and immediately after the crisis to a mere 25% in 2018.
对2018年新增储蓄的分析揭示了另一个特点：储蓄者似乎对保险和养老金资产类别不感兴趣。它在新增储蓄总额中所占的份额已经从危机前后的50%以上，下降到2018年的25%。
And while US households increased in return their demand for securities, all other house-holds preferred bank deposits (and sold securities): In Western Europe, for example, two thirds of fresh savings ended up in bank coffers; worldwide, bank deposits remained the most popular destination for fresh savings, for the eighth year in a row.
尽管美国家庭增加了对证券的需求，但其它所有（国家的）家庭都更青睐银行存款（以及卖出证券）：例如，在西欧，三分之二的新增储蓄最终进入了银行金库；在全球范围内，银行存款仍是新增储蓄最受欢迎的归宿，这种情况已是连续第八年。
▲Allianz Global Wealth Report 2019 (via allianz.com)
图 via VCG
与此同时，瑞士仍是全球人均金融资产总额最高的国家。而美国和瑞士都遥遥领先于世界排名第三、亚洲排名第一的新加坡。
At the same time, while the US took the top spot in the report, Switzerland continues to have the highest gross financial assets per capita in the world at €266,318, against €227,364 for the United States. However, debt in Switzerland is far greater than in the US due to the number of mortgages.
与此同时，尽管美国在《全球财富报告》中位居榜首，但瑞士仍是全球人均金融资产总额最高的国家，为266318欧元，而美国为227364欧元。然而，由于抵押贷款的数量，瑞士的债务远高于美国。
Despite their neck-and-neck performance, both Switzerland and the US are way ahead of third-place Singapore. Its total net financial assets per capita amounted to a mere €100,370.
尽管瑞士和美国的表现不相上下，但它们都遥遥领先于排名第三的新加坡。新加坡人均金融资产净额仅为100370欧元。
▲US beats Switzerland in ‘richest nation’ rating, while global wealth slumps due to trade war & Brexit (via RT)
图 via VCG
不过总体而言，安联的这份《全球财富报告》对全球经济的展望比较悲观。
Overall, the Allianz report is rather pessimistic regarding the global wealth outlook, calling it “a sad premiere.”
总的来说，安联的报告对全球财富前景相当悲观，称其为“令人悲伤的首演”。
It stated that the world’s financial asset growth in 2018 was down by 0.1 percent for the first time since the financial crisis of 2008, placing the blame on the trade war between US and China, Brexit uncertainty increased geopolitical tensions and "the tightening of monetary conditions."
报告称，2018年全球金融资产总额同比下降0.1%，这是自2008年金融危机以来的首次下降，原因包括中美贸易战、英国脱欧不确定性加剧导致的地缘政治紧张局势，以及“货币环境收紧”。
▲US beats Switzerland in ‘richest nation’ rating, while global wealth slumps due to trade war & Brexit (via RT)
有闲钱的话你是选择金融产品还是银行储蓄？
整合：Du Qiongfang
资料：RT, allianz.com
图/题图：Reuters, VCG, allianz.com