Key Takeaways Lower interest rates are supporting net interest income expansion for the consumer loan industry. Enova is diversifying products and acquiring Grasshopper Bancorp to boost scale and earnings. Ally Financial and OneMain Holdings expect earnings growth from restructuring and rising loan demand.Falling interest rates and easing lending standards are brightening the outlook for the Zacks Consumer Loans industry. The Federal Reserve implemented its third consecutive interest rate cut in December, p ...

社会保障体系运营现状 - 每年有超过920万美国人通过社会保障管理局领取残疾保险[2] - 近1000万美国人目前正在领取某种形式的残疾抚恤金[4] - 每天有近1万名婴儿潮一代进入退休状态[4] 服务效率问题 - 福利重新审议请求需要数月或超过半年时间才能获得回应[2] - 每年约1万人在等待残疾认定期间死亡[3] - 27年来人员配备水平未发生变化导致客户服务危机[2][5] 通胀压力与福利调整 - 生活成本调整(COLAs)与美国人实际面临的压力不匹配[5] - 通货膨胀相关问题困扰许多退休人员[5] - 预计客户服务问题将随着新"客户"涌入而增加[5] 退休规划建议 - 建议通过储蓄建立财富积累和创收资产组合[3] - 咨询财务顾问制定计划是重要的第一步[6] - 开始退休储蓄永远不嫌晚[6]