储蓄

That is to deposit " so-called " deposit "", accumulating being to point to bits and pieces, be finger " Tarzan does not dodge soil, therefore energy fully grown whose is important, profound learning is an accumulation of bits of knowledge, therefore being able to move towards whose deep " tenaciousness, be a finger " Constant dripping wears away a stone " deposit " it is one kind " to be troubled by " only when thinking that you deposit ceaselessly persistently in fact", Your " boat " ability of depositing is advancing in being full of " freely naughty husky " knowledge ocean , gets to successful Faramita finally

那就是"储蓄"。所谓的"储蓄"，就是指点点滴滴的累积，就是指"泰山不让土壤，故能成其大，河海不择细流，故能就其深"的执着，就是指"水滴石穿"的坚持不懈。其实，"储蓄"就是一种"苦"只有当你不断地储蓄，你的"储蓄之舟"才能在充满"浪淘沙"的知识海洋里行进，最后到达成功的彼岸。。。。

1ST FINANCIAL BANK USA ACCESS FEDERAL CREDIT UNION ACMG FEDERAL CREDIT UNION ALASKA USA FEDERAL CREDIT UNION ALDENVILLE CREDIT UNION AMERICA FIRST FEDERAL CREDIT UNION ANCHOR MUTUAL SAVINGS BANK APPLIED CARD BANK ARIZONA FEDERAL CREDIT UNION ARIZONA STATE CREDIT UNION ARLINGTON FEDERAL CREDIT UNION BANCO POPULAR DE PUERTO RICO BANK MIDWEST, NATIONAL ASSOCIATION BANK OF AMERICA, NATIONAL ASSOCIATION BANK OF UTAH BANNER BANK BARCLAYS BANK DELAWARE BARCLAYS BANK PLC BELCO COMMUNITY CREDIT UNION BRANCH BANKING AND TRUST COMPANY BURBANK CITY FEDERAL CREDIT UNION CAPITAL ONE, F.S.B. CAPITAL ONE, NATIONAL ASSOCIATION CAPITAL ONE BANK CARD SERVICES FOR CREDIT UNIONS, INC. CHARTWAY FEDERAL CREDIT UNION CHASE BANK USA, NATIONAL ASSOCIATION CHELSEA GROTON SAVINGS BANK CITIBANK, N.A. CITIBANK SOUTH DAKOTA, N.A. CITIZENS BANK CITIZENS EQUITY FIRST CREDIT UNION CLYDESDALE BANK PLC.

金融银行美国第一联邦信用合作社ACMG可信联邦信用合作社阿拉斯加美国联邦信用合作社奥尔登维尔储蓄互助社美国第一联邦信用合作社主播银行双方储蓄银行卡应用美国亚利桑那州联邦信用合作社亚利桑那州立储蓄互助社阿灵顿联邦信用合作社波多黎各人民银行银行中西部，美国全国银行协会，美国犹他州横幅银行全国性协会银行巴克莱银行巴克莱银行特拉华贝尔科合作信用社分支银行与信托公司的伯班克市联邦信用合作社第一资本，联邦安全局第一资本，全国性的协会，首都一家银行卡服务信用社股份有限公司查特韦联邦信用合作社美国大通银行，全国性协会切尔西格罗顿储蓄银行花旗银行，北美花旗银行南达科他，不适用国民银行公民的权益第一信用卡联盟格士德银行有限公司。

This chapter emphasizes on the five issues. Firstly, the relation between the transformation from savings to investment and the fund's formation. Its purpose is to reveal the formation way of the funds and how to improve its efficiency of utilization. Secondly, the analysis of the supply behavior of the transformation from savings to investment. It mostly analyzes the savings' behaviors of the government, enterprises and residents and their economic effects. Thirdly, the analysis of the demand behavior of the transformation from savings to investment. It stresses on discussing the enterprise's choices of the financing structures and forms on the premise of pursuing the maximum profit, through analyzing the basic features of each social financial entity. Fourthly, it clearly points out the kinds of transformative mechanism from savings to investment and its impactive factors. Finally, it emphases the importance and realizing path of the transformative mechanism in our country that is changed from combining bank with capital market to the market leading, through analyzing the mechanism and its practice in China.

本章重点讨论五个问题：第一，储蓄向投资转化与资金形成的关系，目的是揭示资金的形成途径及如何提高其使用效率；第二，储蓄向投资转化的供给行为分析，主要分析政府、企业和居民的储蓄行为及其经济效应；第三，储蓄向投资转化的需求行为分析，通过分析社会各融资主体的基本特征，重点探讨企业在追求收益最大化前提下融资结构和融资形式的选择；第四，储蓄向投资的转化机制，主要探讨了储蓄向投资转化机制及其制约因素；第五，通过对中国储蓄向投资转化机制的历史考察和现状分析，明确指出了我国储蓄向投资的转化机制由银行与资本市场并存型转向市场主导型的重要性和实现路径。

First, I describe the relation between savings and economic growth. Then, I summarize the mainstream theories of savings in western economics and introduce emphatically the Modigliani's lifecycle savings model.

首先，对储蓄与经济增长之间的关系进行阐述，其后对西方储蓄理论进行梳理，在储蓄理论中重点介绍莫迪利亚尼的生命周期储蓄模型。

Concern of this kind of credit is not to build the base with the equal rights and interests of deposit main body below condition of modern market economy, value government and company only however, especially the deposit rights and interests of state-owned unit, allow them to have relatively whole deposit advantageous position and financing right, admit to the dweller its deposit counterpoises only, negligence, privative even its proper financing claim.

这种信用关系不是建立在现代市场经济条件下的储蓄主体权益平等的基础上，而是只重视政府与企业，尤其是国有单位的储蓄权益，答应它们拥有较为完整的储蓄权与融资权，对居民则只承认其储蓄权，忽视、甚至剥夺其正当的融资要求权。

COASTAL COMMUNITY AND TEACHERS CREDIT UNION COLLINS COMMUNITY CREDIT UNION COLUMBUS BANK AND TRUST COMPANY COMERICA BANK COMMERCE BANCSHARES, INC. COMMERCE BANK, NATIONAL ASSOCIATION COMMERCIAL BANK COMMUNITY BANK AND TRUST CREDIT ONE BANK, NATIONAL ASSOCIATION CREDIT UNION CENTRAL FALLS CREDIT UNION OF NEW JERSEY CU COOPERATIVE SYSTEMS DATA CENTER INCORPORATED DHCU COMMUNITY CREDIT UNION DIGITAL FEDERAL CREDIT UNION DUPONT COMMUNITY CREDIT UNION ESL FEDERAL CREDIT UNION EVANSVILLE FIREFIGHTERS FEDERAL CREDIT UNION FAIRFAX COUNTY FEDERAL CREDIT UNION FAMILY SECURITY CREDIT UNION FARMERS AND TRADERS BANK FEDCHOICE FEDERAL CREDIT UNION FIA CARD SERVICES, NA FIA CARD SERVICES, NATIONAL ASSOCIATION FIDELITY BANK FINANCIAL HORIZONS CREDIT UNION FIRST-CITIZENS BANK AND TRUST COMPANY FIRSTMERIT BANK, NATIONAL ASSOCIATION FIRST BANKING CENTER - BURLINGTON FIRST COMMUNITY BANK, NATIONAL ASSOCIATION FIRST COMMUNITY CREDIT UNION FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF PORT ANGELES FIRST FEDERAL SAVINGS BANK OF FLORIDA FIRST INTERSTATE BANK FIRST NATIONAL BANK FIRST NATIONAL BANK OF TENNESSEE FIRST PREMIER BANK FIRST SAVINGS BANK OF PERKASIE FIRST STATE BANK OF ST.

海岸社区与师范储蓄互助社柯林斯合作信用社哥伦布银行及信托公司Comerica银行商业股票银行，工商银行股份有限公司，国家协会为商业银行和信托银行信用社区一家银行，国家会信用联合会中央瀑布信用新泽西兑换联盟协同系统数据中心的法团DHCU合作信用社数字联邦信用合作社杜邦合作信用社的ESL联邦信用合作社埃文斯维尔消防队员联邦信用合作社费郡联邦信用合作社家庭安全信用联盟农民和商人银行FEDCHOICE联邦信用合作社国际汽联卡服务，不适用国际汽联卡服务，全国协会信诚银行信用联盟第一个财政立式服务器，国民银行和信托公司FirstMerit现有银行，第一银行中心的全国性协会-伯灵顿第一社区银行，国家协会第一社区信贷联盟第一个联邦储蓄和贷款协会第一港口洛杉矶联邦储蓄银行美国佛罗里达州第一州际银行第一国民银行第一国民银行田纳西州的首位银行第一储蓄佩卡西作者：意法半导体第一州银行。

SABATTUS REGIONAL CREDIT UNION SELCO COMMUNITY CREDIT UNION SERVICES CREDIT UNION SERVICE CREDIT UNION SOUTHWEST CORPORATE FEDERAL CREDIT UNION SOUTH CAROLINA BANK AND TRUST, NATIONAL ASSOCIATION SOUTH CENTRAL SAVINGS BANK FSB SRP FEDERAL CREDIT UNION STAR PROCESSING INC. STATE BANK AND TRUST COMPANY STATE BANK OF SOUTHERN UTAH STATE EMPLOYEES CREDIT UNION STILLMAN BANCORP N.A. SUNCOAST SCHOOLS FEDERAL CREDIT UNION SUNTRUST BANK SUN COMMUNITY FEDERAL CREDIT UNION TARGET NATIONAL BANK TCM BANK, N.A. TELEPHONE WORKERS CREDIT UNION TESCO PERSONAL FINANCE LTD TEXAS BANK AND TRUST COMPANY THE BANK OF NEW GLARUS THE CREDIT UNION OF ALABAMA FEDERAL CREDIT UNION THE FARMERS BANK THE FIRST NATIONAL BANK OF MIFFLINTOWN THE FIRST NATIONAL BANK OF WYOMING THE GOLDEN 1 CREDIT UNION THE GOTHENBURG STATE BANK AND TRUST COMPANY THE GOVERNOR AND COMPANY OF THE BANK OF SCOTLAND THE PADUCAH BANK AND TRUST COMPANY THE SOUTHERN FEDERAL CREDIT UNION THREE RIVERS FEDERAL CREDIT UNION TIB THE INDEPENDENT BANKERSBANK TONGASS FEDERAL CREDIT UNION TOOELE FEDERAL CREDIT UNION TOWN NORTH BANK, NATIONAL ASSOCIATION TRACY FEDERAL CREDIT UNION TRAVIS CREDIT UNION TRONA VALLEY COMMUNITY FEDERAL CREDIT UNION U.S. BANK NATIONAL ASSOCIATION U.S. BANK NATIONAL ASSOCIATION, ND U.S. BANK NATIONAL ASSOCIATION UNION BANK, NATIONAL ASSOCIATION UNITED BANK, INC. USAA SAVINGS BANK U S POSTAL SERVICE FEDERAL CREDIT UNION VALLEY NATIONAL BANK VISIONS FEDERAL CREDIT UNION VISTA FEDERAL CREDIT UNION WACHOVIA BANK, NATIONAL ASSOCIATION WASHINGTON MUTUAL BANK WELLS FARGO BANK, NATIONAL ASSOCIATION WORLDS FOREMOST BANK

萨巴特斯区域信用联盟SELCO社区信贷联盟的服务储蓄互助社服务信用联盟南西科珀里特联邦信用合作社南卡罗来纳州银行和信托，国家储蓄银行协会中南财经事务局SRP的联邦信用合作社卫视处理有限公司国家银行和信托公司南犹他州州立银行国家雇员储蓄互助社斯蒂尔曼Bancorp公司不适用桑科斯特流派联邦信用合作社太阳信托银行Sun社区联邦信用合作社解决国家银行中医银行，不适用电话工人储蓄互助社特斯科超市有限公司德州个人理财银行和信托公司的新格拉鲁斯银行，阿拉巴马州联邦信用联盟信用合作社的农民银行第一届米夫林敦国家银行怀俄明州的第一金1学分联盟哥德堡国家银行和信托公司的总督和苏格兰银行的公司国家银行帕迪尤卡银行与信托公司的南联邦信贷联盟三国河流联邦信用合作社工商局的独立BANKERSBANK汤格西联邦信用合作社图埃勒联邦信用合作社镇北岸，全国协会特雷西联邦信用合作社特拉维斯储蓄互助社天然碱Valley社区联邦信贷协会全国联合会美国银行美国银行协会，国家协会钕美国银行联合银行，全国性协会联合银行，储蓄银行股份有限公司USAA公司美国邮政服务联邦信贷协会谷国家银行联邦信用合作社摄影视觉景色联邦信用合作社美联银行，华盛顿互惠银行全国协会富国银行，全国性协会世界最重要的银行

So, the accurate and scientific reveal to their mutual relationships from the theory and empirical study would help guide us to draw up proper policies in order to accelerate our country's economic growth and ensure the strategy of the West Development to be enforced smoothly.

通过理论模型构建和实证分析与研究，得出了以下主要结论：(1)根据模型，对于开放型经济系统，投资增长是带动经济增长和储蓄增长的原因，经济增长是引起储蓄增长的基础性条件，如果系统内储蓄资本很少流出，则储蓄增长也可转化为投资增长

There appeared three maximums of consumption growth in 1991,1994,1996 respectively.

通过边际消费倾向和边际储蓄倾向的测定，发现在收入增长的构成中，消费与储蓄比为 5 。6∶ 4 。4 ，用于消费的比例下降，而用于储蓄的比例上升，1996— 1999年，边际消费倾向大幅下降，边际储蓄倾向极度增长，消费、储蓄的均衡格局被打破。

The paper studies on the savings of rural householders in Jiangsu province.

本研究以江苏农村居民储蓄为研究对象，通过分析江苏农村居民的储蓄动机，了解影响江苏农村居民储蓄的因素，在此基础上构建科学的模型来分析江苏农村居民储蓄，得出相应的研究结论和政策建议。

In the negative and interrogative forms, of course, this is identical to the non-emphatic forms.

。但是，在否定句或疑问句里，这种带有"do"的方法表达的效果却没有什么强调的意思。

Go down on one's knees;kneel down

屈膝跪下。。。下跪祈祷