观点储蓄

Taking a chance can be a better way to save
如何鼓励人们存钱?


花旗集团manbetx app苹果 银行业部门副董事长奥扎格:把储蓄工具与获大奖机会结合起来,将是未来提高储蓄率的一个好办法。

In all the recent debate over budget deficits, few people have noticed that America has started saving again. Personal saving in the US has risen from 1.4 per cent of income in 2005 to 5.8 per cent in 2010, and new data this week from the Federal Reserve confirm the higher savings rates are continuing. A dramatic, sudden further increase in saving would harm the recovery. But as the world gradually emerges from the economic downturn, global rebalancing means the US and Europe must save more over time. Savings lotteries, like Britain’s popular Premium Bonds, can provide an intriguing way forward.

在最近围绕预算赤字的所有辩论中,很少有人注意到美国人已经又开始储蓄了。美国个人储蓄与收入之比已从2005年的1.4%升至2010年的5.8%。来自美联储(Fed)的最新数据证实,较高的储蓄率将继续保持下去。储蓄突然大规模进一步增加将损害复苏。但随着世界逐渐摆脱manbetx20客户端下载 低迷,manbetx app苹果 的再平衡意味着,随着时间的流逝,美国和欧洲必须增加储蓄。就像英国广受欢迎的Premium Bonds一样,储蓄彩票可能会为以后提供一种有趣的方式。

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