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Savings in sentence

1605 examples of Savings in a sentence

But financial intermediation would never have brought disaster (or indeed gone so far) save for the global imbalances arising from America’s twin trade and budget deficits, financed to a large extent by Chinese savings.
But the marriage between Chinese savings and American consumption had a fatal flaw: it created non-repayable debts.
Chinese savings flowed not into creating new assets, but into financial speculation and consumer binges.
“Surplus” Chinese savings made possible America’s credit expansion between 2003-2005, when the federal funds rate (the overnight rate at which US banks lend to one another) was held at 1%.Ultra-cheap money produced a surge in sub-prime mortgage lending – a market that collapsed when interest rates increased steadily after 2005, reaching 5%.The financial crisis of 2008 was the start of a highly painful, but inevitable, process of de-leveraging.
Rapid GDP growth requires high savings and investment, and high savings almost never result from free consumer choice.
As Friedrich Hayek put it in 1925, rapid capitalist growth depended on “the ‘forced savings’ effected by the extension of additional bank credit.”
Meanwhile, increased fiscal expenditure on social welfare could help reduce high household savings rates, supporting the necessary shift to a more consumption-driven economy.
In both programs, savings from lower spending for unemployment insurance and other social benefits will offset a large part of the financing costs.
My own state would thrive in such a looser federation, using its increased margin of maneuver to tighten its own regulations and to scale up its social services with the savings in taxes now paid to the federal government.
It takes more savings and investment, better education and training, and innovative research and development.
The savings generated in East Asia and the major oil exporters have increased global liquidity, helping to finance the US current account deficit, which has now reached unprecedented levels.
This would require, for instance, stimulating growth in Europe, Asia, and the major oil exporters in order to offset the contractionary effect on the world economy of adjustment in the US, which should include more restrictive fiscal policies, less private consumption, and higher domestic savings to reduce its external deficit.
Not surprisingly, a catchphrase in economic-policy debates nowadays is “secular stagnation,” the idea that excess savings chronically dampen demand.
Household savings are finally beginning to rise, which is good for the long-run health of household finances, but disastrous for economic growth.
But if the US fails to narrow its savings gap, its current-account deficit will not disappear, regardless of where the dollar goes.
With the US government currently tapping financial markets for a whopping 12% of national income (roughly $1.5 trillion), foreign borrowing would be off the scale but for a sudden surge in US consumer and corporate savings.
The reason is obvious: Japan has run sizeable current-account surpluses for decades, giving it more than sufficient domestic savings to absorb all of its public debt at home.
At the New Delhi summit, the BRICS leaders will discuss the creation of joint institutions, particularly a common development bank that can help to mobilize savings between the countries.
Europe’s Squandered MinorityBUDAPEST – Today, millions of Europeans are afraid and frustrated as they face unemployment, loss of savings and pensions, radically reduced social benefits, and other economic hardships.
We all depend on people willing to sell to us, buy from us, lend to us, manage our savings, educate our kids, accommodate us at their hotels, feed us at their restaurants, connect us to the Internet, allow us to travel to their countries, pay with credit cards, and afford us the respect that people are normally entitled to.
Julia started giving her savings to charities like Oxfam.
He will probably privatize the large state Vneshtorgbank and clean up the state savings bank, Sberbank.
The US is draining a whopping 75% of the world’s surplus savings.
With about 80% of Chinese household savings deposited in banks, this implicit tax on savings has had a major economic impact, reinforcing Chinese households’ tendency to save and thus undermining consumption growth and exacerbating global imbalances.
At the same time, they hurt middle-class savers, who typically rely on duller savings instruments like bank deposits.
Though median households are generally benefiting from lower borrowing costs, wealthier households are benefiting much more, thanks in part to savings on mortgage loans, which are highest relative to income for the upper middle class.
With very low interest rates reducing the rate of accumulation of pension assets, all but the wealthiest households will probably have to boost savings and/or reduce consumption, now and in the future.
Other countries should focus on improving the conditions for long-term savings, such as through occupational pension schemes.
The effort is part of a larger national strategy, launched in 2014, to provide 76% of adults with financial access and 56% with active savings accounts by the end of 2016.
Savings are deposited with banks because they are trusted not to steal them, and custody has a price.
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