sentences: with respect to financial imbalances, the member emphasized the inefficient allocation of resources stemming from population aging, and pointed out that, while for major oecd countries, the average household net savings rate had remained in the 6-percent range and household debt-to-disposable income ratio at the 140-percent level during 2012-2016, the household net savings rate in korea had risen by 5.4 percentage points, from ratio had increased by 20 percentage points, from 150 percent to 170 percent during the same period.