澳博官方网站app & Co. 今天推出了 澳博官方网站app研究所, a global think tank that will deliver better data, analyses and expert insights designed to address global economic challenges. The new think tank released a groundbreaking inaugural report, Weathering Volatility: Big Data on the Financial Ups and Downs of U.S. 个人, 该公司利用澳博官方网站app(澳博官方网站app)的专有数据，对美国人的收入和消费习惯如何在每年和每月的基础上大幅波动提供了最深入的看法之一.

法雷尔 is the founding President and CEO of the 研究所. 以前, 她曾担任麦肯锡政府中心和麦肯锡全球研究所的董事和全球主管 & 公司. 2009年至2011年，她还担任白宫国家经济委员会副主任和总统经济政策副助理.

With an unprecedented level of high-quality data from 澳博官方网站app, the 华盛顿特区-based 研究所 will help policymakers, 企业和非营利组织领导人使用实时数据和深思熟虑的分析来制定更明智的经济政策决策，促进全球繁荣.

“实时数据和事实分析对于理解和应对不断变化的全球经济至关重要,” Jamie Dimon, Chairman and CEO, 澳博官方网站app & Co. “澳博官方网站app has the data to help tackle the economic challenges we continue to face. 这就是我们成立这个研究所的原因——分析数据并产生有助于公众领袖的见解, private and nonprofit sectors make more informed choices.”

该研究所的建立目标是将公司内部广泛的数据用于公共利益. 随着时间的推移, the 研究所 will analyze the 粒度, 多样性 and interconnectedness of the economy and publish analyses on a range of global economic issues. Future research plans include more groundbreaking analytic work on the financial behavior of 个人, insights on the small business sector and expert profiling of global trade and capital flows. 该研究所还将汇集杰出的思想家，讨论和分析研究所的研究结果，并制定促进经济繁荣的政策.

“How exposed are 个人 to income and consumption volatility over time? Do earning and spending patterns differ across the income spectrum? How much of a financial buffer do households need to weather their exposure to volatility?” 法雷尔. “用数据驱动的分析, 澳博官方网站app研究所将能够回答这些问题和其他问题，并为全球政策制定者提供见解，以做出更明智的经济决策.”

Inaugural Report: Income and 支出 Fluctuations of U.S. 消费者

The 研究所’s inaugural research report, Weathering Volatility: Big Data on the Financial Ups and Downs of U.S. 个人 显示了不同收入阶层的个人经历了高水平的收入波动，甚至更高水平的支出波动.

十分之七(70%)的人在2013年至2014年期间经历了至少5%的年收入变化. More than a quarter (26 percent) of 个人 experienced at least a 30 percent change. Only 30 percent saw consistent income between 2013 and 2014.

支出 was even more volatile than income. 在2013年和2014年期间，超过八成(84%)的人经历了每月至少5%的变化. Only one in six (16 percent) saw consistent spending between 2013 and 2014, 而四分之一(24%)的人在此期间的年度支出变化超过30%.

Income and consumption were more volatile on a month-to-month basis than on an annual basis; 60 percent of people experienced high levels of volatility on a month-to-month basis. The report showed that volatility was not limited to lower income 个人, but was similarly evident across the income spectrum.

Moreover, the data show that income and spending changes did not move in tandem. Three in four people (72 percent) experienced changes in income and spending that did not mirror each other. 三分之一(33%)的人认为他们的年度支出变化积极超过了收入变化. 关于 four in ten (39 percent) people saw their income changes positively exceed changes in their spending. Only 28 percent experienced income and spending changes of the same direction and magnitude.

最后, 大多数家庭没有足够的财务缓冲来抵御他们经常面临的波动, such as a large medical expense that took place at the same time as a loss in income. A typical middle-income household needs a financial buffer of approximately $4,800美元的流动资产——大约是税后年收入的14%——以维持在这段时间内观察到的典型的每月收入和支出波动. But, according to the Survey of Consumer Finance, they had only $3,000 in liquid holdings. Similar gaps exist between the buffer needed and actual liquid holdings for 个人 across all incomes, except the top income earners.

“个人正在应对收入的高度波动，甚至更高水平的支出波动. 商界领袖和政策制定者在采取措施促进全球繁荣时，应密切评估这些趋势,” 法雷尔. “潜在的解决方案包括帮助人们追踪他们的收入和支出模式的分析平台, 政策干预或新的金融产品，以帮助人们平稳收入和支出，或利用这些波动, 例如, 帮助他们省钱.”

The 研究所’s research drew from detailed transaction information for nearly 30 million 追逐 customers, constructing a unique data asset of 2.500万账户持有人. 该研究所对2012年10月至2014年12月期间每笔交易的收入和支出习惯进行了调查，以得出有关美国公民收入和支出波动的结论.S. 个人.

“澳博官方网站app研究所正在创建的数据资产不同于目前在消费金融领域存在的任何其他资产,” 乔纳森•帕克, an economist at the Massachusetts 研究所 of Technology, 消费金融领域的专家，澳博官方网站app研究所学术顾问组成员. “它有可能帮助我们更好地了解人们的财务生活——关于他们如何赚钱的基本问题, 花钱和存钱.”

“澳博官方网站app研究所的数据资产为我们提供了一个了解人们所经历的波动的新窗口，可以为金融工具的创新提供信息, 产品及政策,” 迈克尔•巴尔 Professor of Law at the University of Michigan Law School, former Assistant Secretary for Financial Institutions at the U.S. Treasury Department and also a member of the academic advisory group for the 研究所.

Commitment to 隐私 and 安全
澳博官方网站app研究所采用了严格的安全协议和制衡，以确保所有客户数据的保密和安全. Strict protocols are informed by statistical standards employed by government agencies. 另外, the 研究所’s work with technology, 数据隐私, and security experts will help maintain industry leading standards.

Before the 研究所 receives any data, all unique identifiable information – including names, 账号, 地址, 出生日期, and social security numbers – is removed. 该研究所还为其研究人员制定了隐私协议，只允许发布汇总数据.