1、单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,单击此处编辑母版标题样式,Chinese Savings,Group 3,：李姗姗,龙璇,郭一霖,周子,健,聂林,储蓄风险,Contents,中国的储蓄现状,高储蓄率的内幕,为什么国民爱存钱？,The present situation of Chinese saving,The present situation of Chinese saving,These money really enough much?,How much money do you need?,How much money do you need?,How
2、 much money,do you need?,An affordable,wedding 50,400,Having a baby(six month)36,000,Buying a house 5 square meters,Going to college 24,800,Precautionary deposit(,预防性存款,),Marriage,B,aby,College,House,For,most of Chinese,people,their savings are“,Precautionary deposit,”.Marriage,baby,house,college.Al
3、l your savings may be,hollowed,overnight because of any one of these things.,The lowdown about high savings rate,F,actor 1,Factor,2,Factor,3,政府储蓄与企业储蓄的增长率高于私人储蓄,人口结构（老龄化问题不容忽视,),信贷和医疗保障系统的不完善,Why do citizens like saving money?,An,article that,published in the,New York,Times found that the reason of
4、high,savings rate is“the famine of,memory,（对于饥荒的记忆）,”,对于饥荒的记忆,预防性动机,预防性储蓄,高的储蓄率,储蓄可以消除风险吗？,对于预期收入的不确定,储蓄金的贬值,Image Info,www.wizdata.co.kr,-Note to customers:This image has been licensed to be used within this PowerPoint template only.You may not extract the image for any other use.,Risk of savings,通货膨胀使货币贬值,高的,CPI,指数（我们可以做一个计算）,Benchmark,rate,（基准利率）：,3.25%,Principal,（本金）：,10,，,000,Time(,期限,):one year,CPI,：同比增长,3%,Principal and Interest=325,Present,discounted,value(10325)=10024,一万元的储蓄一年仅挣,24,元,What if CPI index is 5%?,一万元的储蓄一年亏损,167,元！,Can savings,retain its,value?,Thank You!,
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