Axis method receipts坐标轴方法凭据
A composite may only be shown when its full composition law is disclosed.只有在完整披露构成法则的前提下，复合指标才可展示。
- Direction方向
- Higher = more stress数值越高＝压力越大
- Weights law权重法则
- Weighted average of the parts that are present (at least two of four): revolving credit, year over year, 30%; saving rate (inverted) 25%; credit-card delinquency 25%; mortgage delinquency 20%.按到位分项的加权平均（四项中至少两项）：循环信贷同比 30%、储蓄率（取反）25%、信用卡拖欠 25%、房贷拖欠 20%。
- Transformation变换
- Revolving-credit growth maps onto 0–100. The saving rate is inverted around a disclosed neutral so a lower saving rate reads as more stress. Delinquency rates map linearly between disclosed floor and ceiling anchors.循环信贷增长映射到 0–100。储蓄率围绕已披露的中性水平取反，储蓄率越低压力越大。拖欠率在已披露的上下锚点之间线性映射。
- Frequency alignment频率对齐
- Mixed clocks: revolving credit about two months lagged, saving rate monthly at month-end, delinquency quarterly about seventy days after quarter-end.时钟不一：循环信贷大约滞后两个月，储蓄率为月末月度，拖欠率为季后约七十天的季度数据。
- Revision behaviour修订行为
- Recomputed each time the source publishes, using only readings that were already known then. A method change is reported as a break in comparability, never as a numeric move.每次数据源发布时用当时已知的读数重算。方法变更会标明为不可比，而不会写成数字位移。
- Components present已具备分项
- 4 / minimum最少 2
- Coverage floor覆盖下限
- At least 50% of the parts must be present至少 50% 的分项必须到位
- Definition version定义版本
- Definition v1, published 1 Sep 2026定义第1版，发布于2026年9月1日
- Authority ceiling权限上限
- Descriptive reading — this page cannot rank, size or trigger a trade描述性读数 — 本页不能排名、定仓或触发交易
| Component分项 |
Raw原始值 |
Standardized标准化值 |
Weight权重 |
Contribution贡献 |
| Revolving credit YoY循环信贷同比Revolving credit (FRED)循环信贷（FRED） |
3.373.37 |
66.85 |
0.30 |
+5.06 |
| Personal saving rate个人储蓄率Personal saving rate (FRED)个人储蓄率（FRED） |
4.104.10 |
65.83 |
0.25 |
+3.96 |
| Credit-card delinquency rate信用卡拖欠率Credit-card delinquency (FRED)信用卡拖欠（FRED） |
2.852.85 |
37.00 |
0.25 |
−3.25 |
| Mortgage delinquency rate住房抵押贷款拖欠率Mortgage delinquency (FRED)房贷拖欠（FRED） |
1.861.86 |
12.29 |
0.20 |
−7.54 |