1.66 million households struggle financially / 全台近166萬戶家庭 每月透支入不敷出　　　　　　　　　　

The poverty gap in Taiwan continues to widen. Last year, a whopping 1.66 million households in Taiwan couldn't make both ends meet. On average, these families had a monthly disposable income of less than NT$ 27,000. And the shortfall between the amount they earn and the amount they spend adds up to a loss of NT$19,000 per family per year. Here's our report. Last year, 1.66 million households in Taiwan were unable to make ends meet. According to the Directorate-General of Budget, Accounting and Statistics, households in the top income quintile in Taiwan had an average disposable income of NT$ 1.92 million a year, with a savings rate reaching over 30 percent. However, the average disposable income of households in the lowest quintile was NT$ 317,100, while its final consumption expenditure reached NT$ 336,400 on average, which means they could not save any money. The phenomenon has lasted for 9 years, and there has been a worsening trend. ==YANG CHIA-YEN, economist == When companies start to replace humans with automation, some people will face a structural problem and suffer mid- to long-term unemployment. more and more people will not be able to cover their monthly expenditures. The poorest households had an average of NT$ 27,000 to use per month. As their consumption expenditure increased, it became more difficult for them to save money. The average monthly per capita expenditure reached a new high with NT$ 24,210 in 2015, breaking NT$ 20,000 for the first time. Yilan County, New Taipei City and Kaohsiung City joined other 5 cities with an average monthly per capita expenditure over NT$ 20,000 last year. Taipei City had the highest average per capita expenditure with NT$ 27,000 per month. ==MEMBER OF PUBLIC== For example, the drink costs NT$60. Whether it is food or something else, everything needs money. However, we have not had a raise for years. ==MEMBER OF PUBLIC== If you do a part-time job, you get around NT$ 20,000 per month. It can only cover your monthly expenditure without saving money. Experts believe that the worsening trend of not being able to make end meets will continue. It is hoped that government can take actions to solve the problem and narrow the gap between the rich and the poor. TRANSLATED BY：ARIEL HSIEH 有人每天加班還兼差,辛苦工作當月光族就算了,存不了錢還負債,根據主計總處,公佈最新家庭收支調查顯示,前20%最有錢的家戶, 每年可花用所得,平均近192萬,扣掉支出,每年可存64.84萬,儲蓄率破三成,但最低所後家戶,平均年所得,只有31.71萬,但平均支出卻有33.64萬,支出大於收入,平均''負儲蓄''金額.為負1.93萬,而這樣家戶數還不少,全台約165.8萬戶 ,而這樣的''負儲蓄''現象,時間已長達9年,而且有逐年惡化的趨勢. ==經濟學者 楊家彥== 整個企業在做自動化的 這個過程裡面 也會有一些人 開始面臨這種結構 跟中長期的這種失業 看起來這個部份的(負儲蓄)族群 跟人口有可能會增加 全台近166萬家戶,平均每月只有2.7萬元可花用,天天透支、負債度日,因為消費支出變多了,看看國人平均每人每月消費支出統計, 家庭每年消費支出,高達76萬,再創歷史新高,而平均每人每月消費支出,則來到2萬421,首度突破2萬大關,而其中,消費支出破2萬的縣市, 原本只有台北市、台中市、基隆市等5個,今年新增為個8個,包括宜蘭縣 新北市 高雄市, 但消費支出還是以台北市最高,每月平均2.7萬. ==民眾== 像這杯飲料就要60塊 然後吃飯什麼的都是錢 然後薪水沒有漲 ==民眾== 現在工讀都是(月薪)2萬吧 剛好抵銷花費跟收入 差不多 不景氣,加上產業結構改變,學者認為,''負儲蓄"現象還會繼續惡化,建議政府得修法,開放產業,擴大投資之餘,還要創造就業,提高薪資,並導入社會福利政策關懷弱勢,貧富差距才不會繼續擴大. 記者 黃立偉 陳昌維 台北報導