It found that the most important relationship is the ratio of "low savers" to "high savers".

检测发现，最重要的关系是“低储蓄者”和“高储蓄者”的比例。

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Savers need to earn a high enough return to guarantee their retirements, so banks’ and companies’ borrowing costs will rise.

储户需要高回报来确保退休生活，因此银行和公司的借贷成本就会增加。

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Savers need to earn a high enough return to guarantee their retirements, so Banks' and companies' borrowing costs will rise.

储户需要高回报来确保退休生活，因此银行和公司的借贷成本就会增加。

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At present, as Bimal Jalan, the central-bank governor, recently pointed out, large public borrowing and the high returns that are offered savers keep interest rates high.

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High-percentage savers also save on borrowing costs since they are able to pay cash for things, such as automobiles, rather than getting loans.

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On top of that there will be (for high-bracket savers) a 3.8% investment tax surcharge plus a clawback of deductions that effectively adds 1.2 percentage points to the stated tax rate.

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