Global Wealth: The One Per Center Next Door

全球财富：隔壁的富豪

You may be higher up the global wealth ladder than you think

在全球财富的阶梯上，你的位置也许比你以为的要高

If you had only $2,222 to your name (adding together your bank deposits, financial investments and property holdings, and subtracting your debts) you might not think yourself terribly fortunate. But you would be wealthier than half the world’s population, according to this year’s Global Wealth Report by the Credit Suisse Research Institute. If you had $71,560 or more, you would be in the top tenth. If you were lucky enough to own over $744,400 you could count yourself a member of the global 1% that voters everywhere are rebelling against.

如果你名下只有2222美元的财产（将你的银行存款、金融投资以及持有房地产相加，再减去债务），你可能并不会觉得自己的境况好极了。不过根据瑞信研究院（Credit Suisse Research Institute）今年的《全球财富报告》，你已经比全世界一半的人都更富有。如果你拥有71,560美元或者更多，那么你就属于全球财富榜上排名前10%的那群人。倘若你足够幸运，拥有的财产超过744,400美元，那么你已跻身于全球各地的选民都在与之对抗的全球1%的“富豪”了。

Unlike many studies of prosperity and inequality, this one counts household assets rather than income. The data are patchy, particularly at the bottom and top of the scale. But with some assumptions, the institute calculates that the world’s households owned property and net financial assets worth almost $256trn in mid-2016. That is about 3.4 times the world’s annual GDP. If this wealth were divided equally it would come to $52,819 per adult. But in reality the top tenth own 89% of it.

与很多关于繁荣和不平等的研究不同，这份报告计算的是家庭资产而非收入。其所搜集的数据并不完整，特别是阶梯顶端和底部的部分。不过在做了一些假设后，瑞信研究院估算，在2016年年中，全球家庭所拥有的房地产和金融资产净额约为256万亿美元。这个数字大致是全球年度GDP的3.4倍。如果将这笔财富均分，每个成年人将会得到52,819美元。但在现实中，这些财富的89%都归顶端十分之一的人所有。

That lucky tenth now includes over 44m Chinese, about 4.4% of the country’s adult population. A far greater number (almost half of China’s adults) cluster in the next three deciles down. Closer to the bottom of the ladder, there is a similar bulge of Indians with wealth between $30 and $603.

如今这幸运的十分之一中包括4400多万中国人，他们约占中国成年人口的4.4%。往下的三个十分位数所集中的人口则要多得多，中国一半的成人都集中于此。在接近阶梯底端的部分则是集中了大量的印度人；他们拥有的财富在30美元到603美元之间。

Below them, the bottom tenth is a peculiar mix. It is populated by poor countries, where many people have nothing, and rich ones, where people can own very much less than that. It includes a surprising number of Americans (over 21m), whose debts outweigh their assets. But most Americans are much better off. Over 40% belong to the top tenth of the global wealth distribution (and over 18m belong to the global 1%). Some of those railing against the global elite probably do not even know they belong to it.

再往下走，最底部的十分位数是个奇特的混合，其中既有贫穷国家的人口（在那里很多人一无所有），也有一些来自富裕国家的人（即便在富裕国家中，也会有人境况比一无所有还要差）。这部分人包含数目惊人的资不抵债的美国人，人数超过2100万。但大多数美国人的经济状况要好得多，超过40%的人都属于全球财富分布的前十分之一，超过1800万的美国人更是位列全球最富有的1%。一些对全球精英阶层大加斥责的人可能并不知道自己其实就是其中一员。

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