2026年2月27日 / 美国东部时间上午7:53 / CBS新闻
由于去年夏天特朗普总统签署的”庞大而美好的法案”，2026年的退税金额预计会非常可观。美国银行全球研究公司的最新调查结果显示，许多美国人已经有了如何使用这笔钱的计划。
研究发现，退税（对许多家庭来说通常是一年中最大的一笔收入）最常见的用途是偿还债务。
本月美国银行的一项调查显示，约36%的受访者计划用美国国税局（IRS）的退税来偿还债务。约10%的人表示会进行大额购买或支付日常开支，而约13%的人期望将这笔钱存入储蓄。
LendingTree首席消费者金融分析师马特·舒尔茨告诉CBS新闻，近几个月美国的家庭债务创下了新纪录，美国人越来越依赖信用卡支付日常费用，并且在汽车和房价上涨的情况下，贷款金额也在增加。尽管债务余额更高，但今年的计划与往年一致，偿还债务仍然是优先事项。
他表示，在2025年的纳税季，约34%的消费者告诉LendingTree，他们计划用退税支票来还清债务。
“回溯到疫情期间，当许多美国人用政府的刺激资金偿还债务时，我们看到人们在获得意外之财时往往会做出正确的选择，”他指出。
退税会有多大？
2026年的纳税季预计将为数百万家庭提供额外的资金支持，华尔街分析师估计，典型的退税金额可能比去年高出约30%。按美元计算，这相当于额外增加1000美元的退税，使典型退税金额达到约4000美元。
美国国税局的数据显示，到目前为止，退税金额比去年同期高出约14%。随着纳税季的推进，退税金额通常会上升，因为高收入家庭（通常会获得更大的退税）往往会在4月15日的截止日期前提交纳税申报。
更大的退税可能有助于增强数百万家庭的财务韧性。美国银行研究所2月11日的报告发现，2023年至2025年期间，低收入和中等收入美国人往往会将部分退税资金在银行账户中留存至少六个月。
不过，并非所有人都期望今年能获得一笔丰厚的退税：美国银行调查中约32%的受访者表示，他们预计不会从美国国税局获得任何退税。
编辑：Alain Sherter
https://www.cbsnews.com/video/how-to-get-organized-to-get-the-biggest-tax-refund/
Here’s how Americans say they plan to use their bigger tax refunds this year
February 27, 2026 / 7:53 AM EST / CBS News
Tax refunds are shaping up to be supersized in 2026, thanks to the “big, beautiful bill” signed into law last summer by President Trump. And many Americans already have plans for how to use that money, according to new findings from Bank of America Global Research
The most common use of tax refunds — often the biggest check of the year for many households — is paying down debt, the research found.
About 36% of respondents to a Bank of America survey this month said they plan to use their IRS refund to pare their debt. Roughly 10% said they would make a major purchase or cover everyday expenses, while about 13% expect to put the money toward savings.
Household debt in the U.S. has hit new records in recent months, with Americans leaning more on credit cards for everyday expenses and taking out larger loans amid rising car and home prices. Despite the higher balances, this year’s plans echo prior years, when paying down debt was also a priority, Matt Schulz, chief consumer finance analyst at LendingTree, told CBS News.
During the 2025 tax season, about 34% of consumers told LendingTree they planned to use their refund checks to erase debt, he said.
“Going all the way back to the pandemic, when so many Americans used their government stimulus to pay down their debts, we’ve seen that people tend to do the right thing when they get a windfall,” he noted.
How big will refunds be?
Tax season 2026 is shaping up to provide an extra boost for millions of households, with Wall Street analysts estimating the typical check could be about 30% higher than a year ago. On a dollar basis, that would equate to an extra $1,000 in refunds, boosting the typical check to about $4,000.
So far, tax refunds are about 14% higher than at the same point last year, IRS data shows. Refund amounts typically rise as the season progresses because higher-income households — which often receive larger refunds — tend to file closer to the April 15 deadline.
Bigger refunds could help bolster the financial resilience of millions of households, with a Feb. 11 Bank of America Institute report finding that, from 2023 to 2025, low- and middle-income Americans tended to keep some of their refund money in their bank accounts for at least six months.
Still, not everyone is expecting a juicy refund check this year: About 32% of respondents in the Bank of America survey said they don’t expect to see any refunds from the IRS.
Edited by Alain Sherter
https://www.cbsnews.com/video/how-to-get-organized-to-get-the-biggest-tax-refund/
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