然而家庭储蓄率也因为健康，教育和养老金的糟糕的公共供给而居高不下。

But household saving is also kept high by the poor public provision of health, education and pensions.

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他们想先存够钱，保证有能力缴得出贷款、养老金、和子女的教育基金。

They want to make sure enough money is made to take care of their mortgage, retirement fund and children's education.

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