将在周一实施的最新的比率将比原来下调0.5个百分点——大型银行的存款储蓄金率为21%，小型银行为19%。
The new ratios, as of Monday, will be 0.5 percentage points lower - to 21 percent of total deposits for large Banks, and to 19 percent for smaller ones.
除了提高利率，央行同时提高了存款准备金率，贷款人必须预留储蓄金为去年6倍，央行允许人民币兑美元获益3.6%。
Besides raising rates, the central bank increased the proportion of deposits that lenders must set aside as reserves six times last year and allowed the yuan to gain 3.6 percent against the dollar.
每个发薪日拿到薪水后的第一笔支出应该用在储蓄上，具体做法就是在活期存款账户中自动将设定好的金额转成储蓄金（可以尝试利用网上储蓄账户）。
Make it the first bill you pay each payday, by having a set amount automatically transferred from your checking account to your savings (try an online savings account).
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