在乌干达，每个村庄有一个充值电话，由可信的接线员管理，这一基本系统帮助人们存款或转帐。
In Uganda, where villages often have one top-up phone run by a trusted operator, a basic system helps store and transfer money.
看看新兴市场，人们认为花钱把存款从一处转到另一处以保持钱财安全是值得的，尽管这一点毫不含糊。
Look at emerging markets, though, and it is clear that people think it is worth paying to send money from one place to another and to keep their savings safe.
总而言之，较低的存款利率会鼓励人们从银行提取存款，增加开支。
On balance, low deposit rates encourage people to withdraw money from Banks and spend more.
能够存款是好事，但人们可能想要把它取出来。
Being able to deposit money is good, but people probably want to take it out as well.
目前3.87%的基准存款利率已低于通货膨胀率，这意味着人们将钱存入银行会赔钱。
The benchmark deposit rate, at 3.87%, is below the rate of inflation — meaning households are effectively losing money on bank savings.
对此人们各执一词，但这场危机的一个长期影响将是为对证券化资产购买者提供同小额零星存款者的担保类似的制度性担保而告终。
Whisper it softly, but one of the lasting effects of this crisis could end up being institutionalised guarantees for buyers of securitised assets to sit alongside guarantees for retail depositors.
人们对这个行为感到不解。做个数学计算：你付债务的利息要比你存款赚的利息多。
People are understandably perplexed by this, but do the math: you're losing more money paying interest on this debt than you're earning on your savings.
因此，人们不会认真地评估自己的存款到底比别人多多少，而只是认为他们的存款比别人多而已。
So people aren't necessarily looking at how much more they're actually saving than other people, he said, but how much more they thought they were saving.
人们其实并不依据他的当年收入来决定开支，而是按照"恒常所得"（他们期望年复一年的收入）来花销，在收入很低的时候，他们常常可能会花光存款，即使有飞来横富的收入时候，他们并不愿意多花钱。
People, he suggested, did not spend on the basis of what their income happened to be that year, but according to their “permanent income”—what they expected to have year in and year out.
在已经覆盖整个欧盟经济区的护照体系下，人们往往以为投资者们已经覆盖到冰岛国家的存款保障计划中。
Under a passport system covering the European Economic Area (a broader, watered-down version of the European Union), investors were supposedly covered by the Icelandic deposit-insurance scheme.
你去银行门前，与排队的人们交谈，先问他们，英国的存款。
You talk to these people who were standing in front of the bank; the first question you'd ask them, aren't deposits insured in the U.K..
如果工人们不被要求用所有的退休存款去购买年金，那么确保他们为生活基本需求预作安排的行为就是明智的。
If workers are not required to use all of their pension pot to buy an annuity, it seems sensible to ensure they make provision for their basic needs.
至于有多好，取决于人们将存款放在哪里以及储蓄多少。
How good, though, depends as much on where people put their savings as on how much they put aside.
奥斯本还称他的党派希望能够保证存款收入税有所削减，并且保证那些已经遭受存款低利率影响的65岁以上的人们的税负减轻。
Osborne also said his party hoped to be able to promise a cut in income tax on savings and the tax burden on those over the age of 65 whose savings have been hit by low interest rates.
在这方面，人们最熟悉的手段是存款准备金和最低资本金要求。
The best known means to do so are margin requirements and minimum capital requirements.
举例来讲，汽油价格上涨时，人们无法像过去那样轻松地动用存款或借款支付更高的成本，所以他们很快会削减其他项目上的支出。
When gasoline prices go up, for example, people can't as easily tap into savings or borrow to cover the higher cost, so they quickly cut back on other items.
为了支付剩余的费用，人们会使用存款或和家人借钱。
To pay the excess, people use their savings or borrow from family.
为什么不抵制那些大银行，特别是美国银行和花旗集团——人们应当把他们的存款(不管有多少)村给本地的信用社或是小镇上的银行。
Why not boycott the big Banks, especially bank of America and Citigroup - people should put their savings (meager as they may be) into local credit unions or small town Banks.
银行存款的缓冲作用相对于贷款来说，也应该会减小，因为储蓄率降低而且人们把钱放到了回报率高的股票和国债上。
Banks' buffers of deposits should also shrink, relative to loans, as the savings rate falls and as people move cash into higher-return shares and bonds (earning Banks fees in the process).
然而，南非也同意人们随时取回养老金存款，咨询公司安博(Alexander Forbes)研究发现70%的成员在退休之前就取回了存款。
But South Africa also offers access to pension savings, and research by Alexander Forbes, a consultancy, found that 70% of members were taking their benefits in cash before retirement.
正是这些措施停止了资产价格继续下跌的势头，让人们不再从银行取走存款，并遏制住了银行系统衰竭。 银行系统衰竭一度险些使经济衰退升级为经济萧条。
These stopped the spiral of declining asset prices, credit withdrawals and bank failures that had threatened to turn a recession into a depression.
正是这些措施停止了资产价格继续下跌的势头，让人们不再从银行取走存款，并遏制住了银行系统衰竭。 银行系统衰竭一度险些使经济衰退升级为经济萧条。
These stopped the spiral of declining asset prices, credit withdrawals and bank failures that had threatened to turn a recession into a depression.
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