Savings
in sentence
1605 examples of Savings in a sentence
For young Americans (those under 25), the borrowing rate rose by ten percentage pointsmore than the borrowing rate of young Chinese, while the
savings
rate of the Chinese working-age population (ages 35-54) rose by about 17 percentage points more than the
savings
rate of their American counterparts.
Another implication of this view is that the steep rise in
savings
in China is largely driven by a rise in the
savings
rate of middle-aged Chinese (rather than a fall in the borrowing rate of the young).
Conversely, the fall in
savings
in the US is largely due to higher borrowing by the young (rather than a fall in middle-aged Americans’
savings
rate).
Indeed, of the 20.2-percentage-point increase in aggregate household
savings
(as a share of GDP) in China from 1992 to 2009, the middle-aged cohort accounted for more than 60% (the remainder was largely attributable to the elderly).
In the US, which experienced a 1.8-percentage-point decline in aggregate
savings
as a share of GDP, the savings-to-GDP ratio among the young declined by 1.25 percentage points, whereas the figure for middle-aged savers actually increased by about 1.5 percentage points.
Apart from accounting for the global divergence in
savings
rates, tight credit constraints in China might explain the country’s high, and rising,
savings
rate – especially as the large rise in national
savings
is attributable mostly to household
savings.
US Federal Reserve Board Chairman Ben Bernanke’s notion of a “global
savings
glut” is a commonly cited explanation for falling world interest rates.
A central feature of the economy prior to the financial crisis was the US housing bubble, which itself resulted from the financial sector’s invention of increasingly intricate (and dubious) methods of recycling global
savings.
The usual thinking is that lower prices stimulate global demand, because consumers are likely to spend most of the windfall, whereas producers typically adjust by cutting back
savings.
Thus, low prices should continue to support growth, even if emerging-market importers continue to use the
savings
to cut subsidies.
And at least one in four cities examined would find such interventions financially viable, based solely on
savings
from avoided water-treatment costs.
The
savings
produced by these programs should be viewed in the context of the $90 billion per year that cities spend to build treatment plants, pipes, and other components of water infrastructure.
Moreover, because the elderly tend to spend more and save less, rich countries will also face changes in the ratio of
savings
to consumption in their national income, as well as in the composition of what is purchased.
Because the old save less, lower aggregate
savings
in rich countries will crimp the relative abundance of capital available to poorer economies.
A fairer carbon price will drive energy
savings
and boost demand for cleaner fuels and “greener” investments.
It could have used a portion of the interest
savings
to recapitalize the banks.
Google’s construction of data centers that use 50% of the energy of an average data center has brought it considerable
savings.
Germany is fiscally sound, with a large accumulation of surplus
savings.
And, indeed, investment in Germany last year was more than five percentage points below its 1999 levels as a share of GDP, even though gross national
savings
have climbed to the highest levels since the International Monetary Fund data series began in 1980.
Thus, the sharp fall in the crude-oil price – from about $110 last year to around $60 today – is yielding hundreds of billions of dollars in
savings
for oil importers.
Moreover, though most of the
savings
implied by lower energy costs might initially show up in higher profits, over time, competition will force companies to pass on some of these windfall gains in the form of lower prices or higher wages.
Add to that the
savings
to health systems and even employers, and concerted action to combat AMR becomes even more cost-effective.
Once upon a time, policymakers understood that the government should tweak asset supplies to ensure sufficient supplies of liquid assets, safe assets, and
savings
vehicles.
One response was the decision by the People’s Bank of China to increase the one-year interest rate from 5.31% to 5.58%– its first rate hike in over nine years – in an effort to curb fixed-investment growth, staunch increasing prices, and offset a worrying decline in
savings.
Budget deficits offered what appeared to be a free lunch, as the resulting inflation eroded the real value of public debt, while the government had privileged access to private
savings
at near-zero real interest rates.
Chinese
savings
are underwriting much of the American civilizing mission that Ferguson applauds.
With a full-fledged banking union, citizens’
savings
would be secured, and taxpayers would not end up on the hook for private-sector profligacy.
Indeed, with the average household
savings
rate having dropped recently to below 4%, too many families are in the process of exhausting their cushions of emergency cash, if they have not done so already.
The problem is the internal distribution of
savings
and financial investments: although the eurozone has enough
savings
to finance all of the deficits, some countries struggle, because
savings
no longer flow across borders.
There is an excess of
savings
north of the Alps, but northern European savers do not want to finance southern countries like Italy, Spain, and Greece.
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