2015年-FCA英国金融行为监管局_infographicop8_1页_969kb

UK Consumer Vulnerability Summary

Core Content

The document outlines various aspects of consumer vulnerability in the UK, highlighting the increasing challenges faced by different demographic groups due to aging populations, disability, and low literacy and numeracy levels. It also touches on the impact of the internet on access to information and services, and the financial and emotional implications of conditions such as dementia and cancer.

Key Statistics and Trends

Literacy and Numeracy

• Literacy: One in seven adults has literacy skills equivalent to those of a child aged 11 or below.
• Numeracy: Just under half of UK adults have a numeracy attainment age of 11 or below.

Internet Access

• In May 2013, 7.1 million adults in the UK had never used the internet.
  • 3.7 million of them were disabled.
  • 3.1 million were over 75 years of age.

Savings and Financial Vulnerability

• Almost half of UK adults do not have sufficient savings to cover an unexpected bill of £300.

Cancer

• Every two minutes, someone in the UK is diagnosed with cancer.
• By 2020, half of the UK population can expect to be diagnosed with cancer at some point in their lives.

Caring Responsibilities

• 6.5 million people in the UK have significant caring responsibilities.
• This number is projected to rise to 9 million by 2037.
• 1 in 8 adults care for family and friends unpaid.

Dementia

• 800,000 people in the UK live with dementia.
• The number is expected to double over the next 40 years.
• 1 in 6 people over 80 are affected by dementia.

Disability

• 16% of working-age adults in the UK have a disability, according to the Family Resources Survey (2011/12).

Mental Illness

• One in four adults experiences at least one mental disorder in any given year, as reported by the NHS (2007).

Demographic Trends

Aging Population

• Over 1.4 million people in the UK are aged 85 or over.
• The number of people over 85 is expected to double in the next 20 years and nearly triple in the next 30 years.

Conclusion

The UK faces a growing challenge in consumer vulnerability due to an aging population, increasing prevalence of chronic illnesses such as cancer and dementia, and a significant proportion of adults with low literacy and numeracy skills. These factors, combined with disability and financial insecurity, underscore the need for targeted support and policy interventions to address the needs of vulnerable groups and ensure equitable access to essential services and information.