家庭储蓄

2007年第四季度，美国家庭储蓄仍一如既往地处于低水平，仅占GDP的2%。

In the fourth quarter of 2007 , household savings were still as low as ever , at 2 per cent of GDP .

尽管自大衰退（GreatRecession）开始以来，美国家庭储蓄率已有所上升，但仍不足以吸收每年上万亿美元的美国国债净发行。

Although the US household savings rate has risen since the Great Recession began , it has not risen enough to absorb a trillion dollars of net Treasury issuance a year .

经合组织在最新的《经济展望》（EconomicOutlook）中预测，美国家庭储蓄率将发生微小的转变，储蓄占可支配收入的比例将从2006年的-0.2%，变为2007年的0.9%。

In its latest Economic Outlook , the OECD forecasts a small shift in the household saving ratio , from - 0.2 per cent of disposable income in 2006 to 0.9 per cent in 2007 .

去年麦肯锡全球研究所（mckinseyglobalinstitute）所作的一项调查，印证了许多经济学家长期以来抱持的观点：社会保障网络的不足，是中国家庭储蓄的主要原因之一。

A survey last year by the McKinsey Global Institute backed up what many economists have long argued : that the lack of a social safety net is one of the main reasons that Chinese households save .

但由于英国私人部门的财务赤字相当于GDP的3%，加上家庭储蓄在2007年第三季度仅为可支配收入的3.4%，因此这也是一件非常好的事情。

But since the UK 's private sector is running a financial deficit of 3 per cent of GDP and household savings in the third quarter of 2007 were a mere 3.4 per cent of disposable incomes , this is also highly desirable .

当然，以国际标准衡量，中国家庭储蓄比例较高。

Certainly , Chinese household savings are high by international standards .

对此我并不苟同：日本的家庭储蓄就出现了下降。

I am unpersuaded : household savings have fallen in Japan .

沿海与内地农户家庭储蓄借贷行为比较研究以晋浙两省19862000年固定跟踪观察的农户为例

Saving and Borrowing Behavior of Household in Shanxi and Zhejiang of China

另一方面，家庭储蓄率正趋于上升。

Equally , household savings rates are on the up .

农户家庭储蓄借贷行为的实证分析&以山西农村203个农户的调查为例

A Positive Analysis of Saves and Borrowings of Peasant Families

第一，分析对家庭储蓄的收入效应和替代效应。

The first , analyze the family saving income effect and substitute effect .

在消费者准备应对衰退的逆境时，家庭储蓄率通常会飙升。

Household savings rates usually soar as consumers brace themselves for recessionary headwinds .

很多经济学家都觉得中国家庭储蓄太多。

Many economists think Chinese households save too much .

家庭储蓄需要增长，而非下降。

Household savings need to rise , not fall .

家庭储蓄需求变动对银行产品供给没有诱导作用。

Household savings demand changes play no role of inducing over banking product supply .

他表示，日本大部分家庭储蓄以存款形式存在银行，收益微薄。

He said the bulk of this is held in deposit accounts earning miserly returns .

此外，美国家庭储蓄率仍仅略高于4%。

Moreover , the US household savings rate is still only just above 4 per cent .

目前，相对于收入，消费水平正在下降，所以才会有更多的家庭储蓄。

Now , consumption is falling relative to income , so there is more household saving .

许多欧洲国家储蓄率更高，但美国人的家庭储蓄比日韩等国家的多。

Many European countries have higher rates , but Americans save more than families in Japan .

但次优先任务是提高家庭储蓄，特别是中低收入群体。

But a secondary priority is higher household savings , especially among lower - and middle-income groups .

简而言之，未来十年，我们需要采取全面措施来提高家庭储蓄。

In short , in the coming decade we need a comprehensive effort to raise household savings .

家庭储蓄的回报率越高，意味着家庭收入越高，能够用于消费的支出也就越多。

A higher return on their savings means households have more income and more money to spend .

事实是，中国家庭储蓄并非特别高，例如，比印度要低。

The truth is Chinese household savings are not particularly high lower , say , than in India .

然而，由于人口老龄化，而老年人不再储蓄，日本家庭储蓄率已大幅下降。

But Japan 's household savings rate has collapsed due to an ageing population which no longer saves .

作为主要参与者的银行间的竞争在动员家庭储蓄和支持经济增长方面扮演着一个重要的角色。

Competition between banks as the main participants played a gigantic role in mobilizing family savings and supporting economic growth .

中国家庭储蓄的总量，大约为未清偿消费者债务（包括房贷）总量的5倍。

The overall stock of household savings in China is about five times larger than total outstanding consumer debts including mortgages .

“去杠杆化”是家庭储蓄上升、金融服务业债务减少的过程，在这个过程中居民的消费势必减少。

The " deleveraging ", as household savings grow and the financial-services industry sheds debt , will mean that people spend less .

尽管在多数受到危机影响的国家，家庭储蓄率远远超出危机前的水平，但储蓄率已停止上升。

Though in most recession-hit countries they have been saving much more than before the crisis , savings rates have stopped rising .

随着美国的消费放缓，家庭储蓄增加，从国外进口储蓄盈余的需求将下降。

As consumption slows and household saving rises in the US , the need to import surplus saving from abroad will diminish .

近年来，家庭储蓄的不断积累，推动着我国居民个人理财需求的增加。

In recent years , with the incessant accumulation of family savings , which enhance the demand for resident personal financial business .