消费者研究和资料中心的一项调查显示，城市青年员工近半数陷入严重债务的困境，即每月所需偿还的债务是总收入的30%以上，37%青年的生活更是入不敷出, 超过半数或54.2%的债务严重者来自24至29岁的年龄层。另一项发现是，学歷越高者债务问题也越严重.

 

 

 

 

 

37%入不敷出　城市青年满身债

2012年7月5日
（八打灵再也讯）

青年员工近半数陷入严重债务困境

消费者研究和资料中心的一项调查显示，城市青年员工近半数陷入严重债务的困境，即每月所需偿还的债务是总收入的30%以上，37%青年的生活更是入不敷出。

这项根据债务佔总收入的百分比来推算债务严重性的调查显示，有46.8%受访者债务佔总收入的30%或更多（债务严重），36.3%者债务佔总收入0至14%，另16.9%人债务佔总收入15至29%。

面对严重债务问题者主要来自24至29岁的年龄层、2001至3000令吉的收入层，以及拥有学士学歷的阶层，所面对的5大债务即房贷、车贷、个人借贷、教育贷款和保险。

儘管债台高筑，超过70%受访者满意目前的生活质量，认为生活质量是所预期甚至是超越预期的，另19.4%者不满意现状，另10.2%没有意见。

54.2%的债务严重者来自24至29岁的年龄层

这项由消费者研究和资料中心（CRRC）所展开的调查，访问了1002名在城市工作，年龄介于18至35岁的青年，以探討青年员工的財务管理行为和习惯。

受访者大部分是受薪人士（72.2%），另有兼职（10%）、合约员工（9.1%）、自僱人士（5.2%）和待业但並非刚毕业者（3.6%）。

该中心董事兼马来西亚消费者协会联合会首席执行员拿督保罗希尔华指出，超过半数或54.2%的债务严重者来自24至29岁的年龄层，30岁或以上的佔36.7%，18至23岁佔9.1%。

「在30岁以后，他们有较高的收入，在財务管理方面也更成熟，所以能逐渐减少债务。」

报告也显示，债务严重的单身受访者比已婚者多，这显示，在结婚之后，消费者在理財方面更为谨慎和负责任。

学歷越高者  债务问题越严重

另一项发现是，学歷越高者（硕士及博士除外），债务问题也越严重，严重债务者有53.8%拥有学士学位，24.9%是高级学校文凭或同等学歷、大马教育文凭者佔13.1%、初中评估考试0.9%和小学0.7%。

「这可反映出这阶层（学士学位）人士在购买资產时，有更高標准和期许。」

此外，在三大种族当中，债务严重的巫裔佔46.1%、接著是印裔（27.2%）和华裔（24.7%），而华裔財务行为的负责任指数也最高。

15%没积蓄　37%没退休计划

大马消费者协会联合会首席执行员拿督保罗希尔华指出，城市青年员工有15%的人没有积蓄，37%的人从来没有想过退休计划。

保罗说，根据消费者研究和资料中心（CRRC）的调查，有69.6%的受访者指本身有储蓄的习惯，46.7%者储蓄佔月入的1至10%。

「不过被询及若停职，他们的积蓄能应付多少个月的生活开销时，有14.6%回答0月，1个月的有20.2%，2个月（16.4%）、3个月（13.8%）和4个月（4.7%）。」

61%承认不善理財

为退休准备是长期財务规划重要的组成部分，不过受访者当中，仅2.8%非常满意本身的退休计划，19.6%满意、40.6%不满意，另37.2%的人从来没有想过退休计划。

调查报告显示，有30.3%者认为退休金必须超过80万令吉才足够，另26.5%的人则对退休金没有一定概念。

与此同时，61.3%受访者认同本身不善于理財。

为了解决青年员工財务管理不当的问题，消联会已向政府建议成立全国財务教育委员会，以进行整合和协调各单位的財务管理教育，包括学校、青年员工、社区和家庭。

 

Most young workers in serious debt

PETALING JAYA:

ALMOST half of today’s young workers, aged between 18 and 35 years old, are in serious debt, a recent survey revealed.

The survey showed 47 per cent of young workers had a monthly debt of 30 per cent or more of their gross monthly income, classified as a serious debt condition.

Those in the 24- to 29-year age group were found to have the most serious debt problem.

The survey also found that debt issues were more prevalent among male respondents (55.7 per cent) than females (44.3 per cent).

Those earning between RM2,000 and RM3,000 a month also had the most serious debt problem.

This was most likely due to acquiring assets like a house, car and insurance or getting married, thus increasing their loan repayment obligations.

The Financial Behaviours and Financial Habits of Young Workers survey used a sample size of over 1,000 respondents from urban areas in Kuala Lumpur, Selangor and Putrajaya.

It was initiated by the Education and Research Association for Consumers, an affiliate of the Federation of Malaysian Consumers Associations (Fomca).

Speaking at the launch of the report yesterday, Fomca chief executive officer Datuk Paul Selvaraj said most young workers admitted to having little or no financial knowledge.

“Only 2.7 per cent of the respondents said they had strong financial knowledge, while an alarming 43 per cent had poor knowledge of personal finance,” he said.

He said nearly 60 per cent of those declared bankrupt in the country today were below the age of 44.

“The main reasons for this are outstanding car, housing and personal loans.”

He said many young workers were unaware or unprepared for retirement.

While retirement plans are a vital part of long-term financial planning, the survey found 37 per cent had not thought of retirement.

“Of those who did, 40 per cent were not satisfied with their preparations,” he said.

To address this worrying trend, Selvaraj said that Fomca had proposed that the government set up a National Financial Education Commission to coordinate financial education for all sectors.
- NST Online