While household-sector debt was pruned to 115% of disposable personal income in early 2011 from the peak of 130% hit in 2007, it remains well in excess of the 75% average of the 1970-2000 period. And, while the personal saving rate rose to 5% of disposable income in the first half of 2011 from the rock-bottom 1.2% low hit in mid-2005, this is far short of the nearly 8% norm that prevailed during the last 30 years of the twentieth century.
然而，从这两个账户看，资产负债表的修复过程才开了个头。家庭部门债务占可支配个人收入的比重已从2007年高峰时的130%下降为2001年初的115%，但仍大大超过了1970—2000年间的平均水平75%。与此同时，个人储蓄率从2005年年中的最低值——相当于可支配收入的1.5%上升为2001年上半年的5%，但仍大大低于20世纪最后30年的平均水平8%。