题图：西太平洋银行的数据显示，36%的客户存款不足500纽元。图片来源：123rf / Westpac data show 36% of its customers have less than $500 in savings. Photo / 123rf
Empty Accounts: 1 in 3 Kiwis Have Less Than $500 Saved as Cost of Living Bites
你的存款够应付突发紧急情况吗？还是你一直在靠工资勉强度日？如果你的银行账户余额少得令人不安，你绝对不孤单。西太平洋银行（Westpac）的最新惊人数据揭示，超过三分之一的新西兰人存款不足500纽币，暴露出持续的生活成本危机带来的严酷现实。但这种挣扎并非全国均等。当南岛坎特伯雷和奥塔哥的居民在充实账户时，奥克兰人却发现存钱比全国任何地方都难。以下是对国民财务健康状况的深度剖析，以及这些数字对您的钱包意味着什么。
Are your savings equipped to handle an unexpected emergency, or are you living paycheck to paycheck? If your bank account is looking uncomfortably low, you are far from alone. Startling new data from Westpac reveals that more than a third of New Zealanders have a savings balance of less than $500, laying bare the harsh reality of the ongoing cost-of-living crisis. But the struggle isn’t evenly spread. While mainlanders in Canterbury and Otago are padding their accounts, Aucklanders are finding it harder than anyone else in the country to put money aside. Here is a deep dive into the nation’s financial health and what the numbers mean for your wallet.
《澳纽网》深度报道：生活成本耗尽三分之一新西兰人的积蓄
AUSNZ.Net In-Depth: Cost of Living Wipes Out Savings for a Third of Kiwis
（《澳纽网》综合报道）家庭预算正被拉伸到极限。根据新西兰 Westpac 银行最新公布的数据，高昂的生活成本已经严重影响了普通新西兰人建立财务安全网的能力。
Household budgets are being stretched to their absolute limits. According to newly released data from Westpac New Zealand, high living costs have severely impacted the ability of everyday Kiwis to build a financial safety net.
对 Westpac 客户账户的概览描绘了一幅令人清醒的国家财务图景：36% 的人目前存款不足500纽币。 此外，只有四分之一（25%）的客户能够做到每月向储蓄账户自动存入资金。
An overview of Westpac’s customer accounts paints a sobering picture of the national financial landscape: 36% of people currently have less than $500 in savings. Furthermore, only a quarter (25%) of customers are managing to make regular, automatic monthly payments into a savings account.
Westpac 新西兰产品、可持续发展及营销部董事总经理 Sarah Hearn 承认，家庭和企业正面临巨大压力。
Sarah Hearn, Westpac New Zealand’s Managing Director of Product, Sustainability, and Marketing, acknowledged the immense pressure on households and businesses.
“对现在的许多人来说，存更多的钱可能感觉不切实际……但花点时间审查你的整体开销并做出小额的储蓄承诺，假以时日会产生巨大的影响。” —— Sarah Hearn, Westpac NZ
“Saving more money might feel unrealistic for many people right now… but taking some time to review your overall spending and making small savings commitments can have a big impact over time.” — Sarah Hearn, Westpac NZ
地区差异：南岛善于储蓄，奥克兰苦苦挣扎 (The Regional Divide: South Island Saves, Auckland Struggles)
数据凸显了在财务缓冲方面存在巨大的地区差异。面对全国最高的生活成本，奥克兰人的处境最为艰难。高达 43% 的奥克兰人存款余额低于500纽币，并且只有19%的人设置了自动储蓄扣款。
The data highlights a massive regional disparity when it comes to financial buffers. Aucklanders, grappling with the country’s highest living costs, are hurting the most. A staggering 43% of Aucklanders have a savings balance below $500, and only 19% manage to set up automatic savings payments.
相反，坎特伯雷和奥塔哥的居民被证明是全国最具韧性的储蓄者，他们拥有最高的储蓄中位数和最稳定的储蓄习惯。
Conversely, residents in Canterbury and Otago are proving to be the country’s most resilient savers, boasting the highest median balances and the most consistent saving habits.
各地区储蓄细分对比 (Regional Savings Breakdown):
| 地区 (Region) | 储蓄余额中位数 (Median Savings Balance) | 存款不足$500的比例 (% with Less Than $500) | 存款超$1.5万的比例 (% with More Than $15,000) |
| 坎特伯雷 / 奥塔哥 (Canterbury / Otago) | $4,200 | 低于全国平均水平 (Below national avg.) | 32% |
| 惠灵顿 (Wellington) | $3,600 | 低于全国平均水平 (Below national avg.) | 31% |
| 全国平均水平 (National Average) | $2,700 | 36% | 28% |
| 北地大区 (Northland) | $1,400 | 42% | 低于全国平均水平 (Below national avg.) |
| 奥克兰 (Auckland) | $1,200 | 43% | 低于全国平均水平 (Below national avg.) |
房贷与储蓄的博弈 (Mortgages vs. Savings)
虽然基本的储蓄数字看起来很严峻，但数据也提供了一些关于新西兰人资金去向的细节。许多家庭正主动选择将多余的资金用于偿还昂贵的抵押贷款，而不是把现金囤积在储蓄账户中。
While the baseline savings numbers look grim, the data provides some nuance regarding where Kiwis are directing their cash. Many households are actively choosing to channel any surplus funds into paying down expensive mortgages rather than hoarding cash in savings accounts.
尽管如此，81% 的 Westpac 房贷客户仍然保留着储蓄账户，其中36%的客户成功设置了每月自动存款。Hearn 指出，仅仅是建立储蓄的行为——哪怕金额很小——也是至关重要的第一步。
Despite this, 81% of Westpac home loan customers still maintain a savings account, with 36% of this specific demographic successfully setting up a monthly automatic payment. Hearn noted that simply establishing the behavior of saving—even small amounts—is a crucial first step.
KiwiSaver 仍是一大亮点 (KiwiSaver Remains a Bright Spot)
在审视长期退休储蓄时，情况略有改善。在全国范围内，38% 的 Westpac 客户的 KiwiSaver 余额超过了40,000纽币。
When looking at long-term retirement savings, the picture improves slightly. Nationwide, 38% of Westpac customers have a KiwiSaver balance exceeding $40,000.
惠灵顿和南部大区（Southland）在这一类别中并列第一，这两个地区均有42%的客户余额超过4万纽币大关。Hearn 敦促新西兰人积极检查自己的账户，确保他们所选择的基金符合自己当前的人生阶段，并指出有免费的在线资源可以帮助进行这些评估。
Wellington and Southland tied for the top spot in this category, with 42% of customers in both regions holding balances above the $40,000 mark. Hearn urged Kiwis to actively check their accounts to ensure they are enrolled in a fund that matches their current life stage, noting that free online resources are readily available to help make these assessments.
来源：NZ Herald
分类： 澳纽资讯(即时多来源) 新西兰英语新闻 New Zealand English News
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