来自亲戚的额外贷款和礼物是出于集体义务，而不是狭隘的投资计算，补充了个人储蓄。
Additional loans and gifts from relatives, forthcoming because of group obligation rather than narrow investment calculation, have supplemented personal savings.
结果，国内经济活动和企业储蓄和投资的能力受到限制。
As a result, domestic economic activity and the ability of businesses to save and invest were restrained.
总之，如果大众希望把收入的20%用于储蓄和投资，而把其余的80%用于消费，那么银行贷给工商业的新钱会在起初让消费储蓄比例看上去比原本更高。
In short, if people wishto save and invest about 20% of their income and consume the rest, new bankmoney loaned to business at first makes the saving proportion look higher.
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