德國安聯保險集團近日發布的《全球財富報告》（Global Wealth Report）指出，得益於美元走強以及國民不再大手大腳花錢，變得積極儲蓄，美國取代了瑞士，再次成為全球最富有的國家。
據《全球財富報告》顯示，去年，美國人均金融資產淨額達184411歐元（合203128美元），超過了自2017年來蟬聯該榜榜首的瑞士。
圖 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.
根據德國安聯保險集團發布的最新《全球財富報告》，美國人均金融資產淨額為184411歐元（合203128美元），而瑞士為173838歐元。這些數據來自2018年。
▲US beats Switzerland in 『richest nation』 rating, while global wealth slumps due to trade war & Brexit (via RT)
報告分析道，美國財富排名的上升得益於美元的走強，以及國民儲蓄的增加。
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.
報告稱，美國榮登財富排行榜榜首，在很大程度上是由於美元走強。報告還指出，美國家庭是全球資金流動增加的主要驅動力——工業化國家三分之二的儲蓄源自美國。
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.
美國新增儲蓄創下了全球記錄，增長22%，金額超過2.7萬億歐元。報告將此歸因於去年美國的稅收改革，隨之而來的是美國公民增加了他們的新儲蓄，達到驚人的46%。
▲US beats Switzerland in 『richest nation』 rating, while global wealth slumps due to trade war & Brexit (via RT)
圖 via Reuters
從具體的儲蓄類型來看，除了美國家庭傾向增加證券金融資產之外，其他國家的家庭都更青睞銀行存款。
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.
對2018年新增儲蓄的分析揭示了另一個特點：儲蓄者似乎對保險和養老金資產類別不感興趣。它在新增儲蓄總額中所佔的份額已經從危機前後的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.
儘管美國家庭增加了對證券的需求，但其它所有（國家的）家庭都更青睞銀行存款（以及賣出證券）：例如，在西歐，三分之二的新增儲蓄最終進入了銀行金庫；在全球範圍內，銀行存款仍是新增儲蓄最受歡迎的歸宿，這種情況已是連續第八年。
▲Allianz Global Wealth Report 2019 (via allianz.com)
圖 via VCG
與此同時，瑞士仍是全球人均金融資產總額最高的國家。而美國和瑞士都遙遙領先於世界排名第三、亞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.
與此同時，儘管美國在《全球財富報告》中位居榜首，但瑞士仍是全球人均金融資產總額最高的國家，為266318歐元，而美國為227364歐元。然而，由於抵押貸款的數量，瑞士的債務遠高於美國。
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.
儘管瑞士和美國的表現不相上下，但它們都遙遙領先於排名第三的新加坡。新加坡人均金融資產淨額僅為100370歐元。
▲US beats Switzerland in 『richest nation』 rating, while global wealth slumps due to trade war & Brexit (via RT)
圖 via VCG
不過總體而言，安聯的這份《全球財富報告》對全球經濟的展望比較悲觀。
Overall, the Allianz report is rather pessimistic regarding the global wealth outlook, calling it 「a sad premiere.」
總的來說，安聯的報告對全球財富前景相當悲觀，稱其為「令人悲傷的首演」。
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."
報告稱，2018年全球金融資產總額同比下降0.1%，這是自2008年金融危機以來的首次下降，原因包括中美貿易戰、英國脫歐不確定性加劇導致的地緣政治緊張局勢，以及「貨幣環境收緊」。
▲US beats Switzerland in 『richest nation』 rating, while global wealth slumps due to trade war & Brexit (via RT)
有閒錢的話你是選擇金融產品還是銀行儲蓄？
整合：Du Qiongfang
資料：RT, allianz.com
圖/題圖：Reuters, VCG, allianz.com