近年来，我国城镇居民储蓄存款增长过快问题一直很受关注。
The high growth of savings deposits rate of in China urban areas has become a noticeable question recently.
由于整体存款增长疲软，因此银行通过提供高达4%的利息率从处于困境的其他储蓄银行那里抢夺份额。
Overall deposit growth is flat, so banks are trying to claw share from the beleaguered cajas by offering rates as high as 4%.
到去年十月银行存款增长21%，这不禁让人想到公民认为更安全的方式是把钱储蓄起来，而不是花掉任何结余的现金。
Bank deposits rose by 21 percent in October, suggesting citizens felt more comfortable saving than spending any extra cash they made.
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