Much of Japan's colossal household wealth, one of the world's biggest pools of savings, is in cash or deposits earning little interest.

日本巨大家庭财富，是世界上最大储蓄池之一，只是赚取一点利息的存款或者是现金形式。

youdao

Its deposits represent a quarter of Japan's total household savings; its insurance arm accounts for 40% of the country's life-insurance policies.

囊括了日本家庭存款的四分之一；国家寿险的40%。

youdao

But in China, where most savings are in the form of bank deposits and where earnings on savings are a significant portion of total household earnings, lowering deposit rates tends to increase the savings rate.

WSJ: China's Consumption Conundrum

But by 2010, the Goldman researchers predict, stocks and mutual funds will climb to 39% of household savings and insurance to 34%-while bank deposits drop to 18%.

FORBES: Schulte-Noelle Scores

Next to bank deposits, the largest category of household financial assets, at some 28 percent, remains basically savings-type life insurance and pension products.

FORBES: Japanese Savers and the JGB Market