在1960年代，当国民储蓄盈余很大时，实际利率往往更高。
During the 1960's real interest rates were often higher when the national savings surplus was large.
显然，实际利率会对储蓄/投资关系之外的影响作出反应。
Clearly, real interest rates respond to influences other than the savings/investment nexus.
目前，储蓄账户的实际利率是负的。
Currently, the real interest rates of savings accounts are negative.
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