When incomes are growing rapidly, as they are in China, it is easier to save because people are not yet accustomed to a higher standard of living and do not mind terribly much maintaining a lower one for a while longer. They also tolerate enterprise or government policies that encourage high saving.
中国的高额储蓄也许更应归结为一种根深蒂固的习惯。随着中国民众收入的快速增长，人们更容易想到储蓄，这是因为他们还没有习惯于更高的生活水准，对再多过几年苦日子也并不那么介意。他们也愿意容忍鼓励储蓄的国家政策。