As a result the household saving ratio slid from 9.6% of disposable income in 1997 to a 50-year low of 1.5% in 2008.

结果就是家庭储蓄率在1997年占可支配收入的9.6%，在2008年，它下滑到50年来的最低点1.5%。

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If this is stripped out, the saving ratio turned negative this year—ie, people spent more than they earned (see chart).

如果除去这一部分，今年的储蓄率是负数，也就是说，人们花的钱比他们挣得更多。

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The danger is that a downturn in the housing market will prompt a snap-back in the saving ratio as consumers borrow and spend less.

危险的是住房市场的下跌会由于消费者借钱和花钱都更少而造成储蓄率的突然升高。

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On balance, it seems likely that the saving ratio will rise further over the next year or so.

ECONOMIST: The return of thrift

Indeed, the saving ratio fell to 4.2% of disposable income in 2004, the lowest since the series started in 1963.

ECONOMIST: A weaker economy needs easier money

The saving ratio has already risen beyond the Treasury's forecast this April, which envisaged it averaging 4.5% in 2009 and 5% in 2010.

ECONOMIST: The return of thrift