首都一银行Survey: More than Half of Americans Who Will Be Receiving a Tax Refund This Year Plan to Spend the Majority of It

2014年3月6日 / 3BL媒体 / - 4月15日^Thtax filing deadline fast approaching,首都一银行推出了年度Taxes and Savings Surveyto find out how refund recipients are planning to use their dollars. According to the latest IRS statistics, the average federal tax refund this year will be $3,116, up 4.2 percent compared to 2013. Capital One’s survey found that most Americans (80 percent) expect to get a refund and more than half of those (52 percent) plan to spend the majority of their refund.

还清债务最高的退款资金

尽管今年将获得退税的美国人中有52％的人花费了大部分（而不是储蓄），但支出包括偿还债务。大多数（58％）将使用这笔钱偿还债务或还清账单。人们支出退款的其他方式包括：

• 日常支出或必需品（15％）
• 假期（7％）
• 大型购买，例如汽车，电器等（7％）
• 新衣服或配件（1％）
• 电视，iPad，智能手机或其他电子产品（1％）。

山姆大叔的储户

根据调查，获得退款的人中有40％为其中的大多数省钱，其中包括投资。对于那些计划节省的人，许多（32％）正在使用它来帮助计划“短期”储蓄需求，例如紧急或雨天基金。消费者较少朝着“长期”目标（例如退休（15％）或儿童大学教育（8％）节省下来。

“Four in five Americans are expecting to get tax refunds this year and most of them are already thinking about what they intend to do with the money,” said Jim Kelly, Head of Direct Banking, Capital One. “Whether your goal is to save for the future, pay down debt to help get your finances in order or even to spend all or some of your refund on something important to you, planning ahead is essential to help keep yourself on track. A tax refund isn’t a year-end bonus or magic windfall, it’s the government giving you some of your own money back, so it makes sense to think carefully about how you plan to use it, putting that refund to work for yourself and getting on a path to save more and invest in your financial future.”

在今年将要欠税的消费者中（9％），有34％的人表示，他们需要浸入个人储蓄或紧急基金以支付费用；但是，正如许多人（35％）所说的那样，他们已经预留了储蓄来支付其欠税。将近四分之一（22％）将与国税局制定分期付款协议或付款计划。只有少数会“降低退休基金”（6％）或用信用卡付款（4％）。

将税收季节变成储蓄季节的提示

Capital One Bank为消费者提供以下技巧，说明他们如何提高储蓄，无论是制定储蓄计划，还是计划拨出现金以缴纳明年的税款：

1. 先付钱。使用退款来建立应急基金，以便您满足可能出乎意料的短期需求。通过将所有退款的全部或至少存入您的储蓄帐户中，您的储蓄垫子是一年中的。
2. Strong rate, nice return.审查储蓄选项时，以最合适的生活方式和需求选择产品。这Capital One 360 Savings Accounthas a high rate plus extra savings tools, such as My Savings Goals, to keep you focused on your financial goals.
3. Save regularly by setting up automatic transfers。One of the easiest ways to get into a routine of saving is to have funds automatically moved to your account every month or paycheck. Consider an online savings account that offers free transfers to and from existing accounts and set up automatic transfers in regular increments to ensure that money goes directly to savings. With an自动储蓄计划，例如Capital One 360​​提供的，您可以设置并忘记它。
4. Avoid unnecessary fees.选择储蓄产品时，请确保您不会损失辛辛苦苦的现金费用。寻找不提供重复每月费用的产品。
5. Make the safest deposit.确保您使用的任何储蓄工具都已获得FDIC保险。

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调查方法

该版本中报告的发现来自市场研究公司ORC International（ORC）进行的电话调查。该调查是由Capital One Financial赞助的，并通过Orc的Caravan电话Omnibus调查进行。兽人在2014年2月13日至16日与我们18岁及以上的美国居民成年人完成了1,008个座机和手机访谈。国家样本的错误范围为+/- 3个百分点，在95％的置信度下。该研究的抽样是使用两个国家概率样本进行的，一个用于座机，另一个用于手机。所有访谈均使用计算机辅助电话采访系统进行。将数据加权到美国人口普查局统计。

About Capital One

Capital One Financial Corporation (www.capitalone.com) is a financial holding company whose subsidiaries, which include Capital One, N.A., and Capital One Bank (USA), N.A., had $204.5 billion in deposits and $297 billion in total assets as of December 31, 2013. Headquartered in McLean, Virginia, Capital One offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. Capital One, N.A. has more than 900 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia and the District of Columbia. A Fortune 500 company, Capital One trades on the New York Stock Exchange under the symbol "COF" and is included in the S&P 100 index. Capital One 360 is a division of Capital One, N.A.

联系人：Laura Dilello（215）982-0200laura.dilello@capitalone.com