2025年,由于利率、价格和工资停滞不前,美国次贷自动贷款脱产创下历史新高。 U.S. subprime auto loan delinquencies hit a record high in 2025 due to rising rates, prices, and stagnant wages.

2025年,美国自动放贷率创历史新高,超过6.5%的次贷自动放贷贷款到期60天或60天以上,是惠誉分贷指数中记录的最高水平。 Auto loan delinquencies in the U.S. reached a record high in 2025, with over 6.5% of subprime auto loans 60 days or more past due, the highest level ever recorded in Fitch Ratings’ subprime index. 这一激增反映出在汽车支付方面挣扎的低信用借款人的财政压力越来越大,这很可能是由于利率上升、车辆价格高企、通货膨胀和工资停滞造成的。 The surge reflects growing financial strain among lower-credit borrowers struggling with car payments, likely driven by rising interest rates, high vehicle prices, inflation, and stagnant wages. 这一趋势引起人们对更广泛的经济稳定的关切,因为汽车所有权对工作和日常生活仍然至关重要,越来越多的违约可能会影响贷款、消费支出和金融市场。 The trend raises concerns about broader economic stability, as auto ownership remains critical for work and daily life, and increasing defaults could impact lending, consumer spending, and financial markets.