美国网上问：和美国人相比，为什么中国人这么热衷于存钱？

can't make ends meet, but they always he a new iPhone, beautiful headphones, expensive sneaker collections, etc. they are addicted to playing in clubs and holiday parties.

后来我意识到这种事情随时在这个城市上演，我很懊恼，但这根本不应该发生，很多澳大利亚人的财务决策意识都很差劲。我不知道我察觉到过多少人倒是未能够的没钱，入不敷出，但他们总有一个重新iPhone，漂亮的遥控器耳环，很高昂的鞋类收藏品等等，他们迷恋在了俱乐部玩乐和节日聚才会。

So why are Americans less able to se than Chinese? Well, I may not know much about Chinese consumption habits, but I can tell you that Americans lack self-control.

那么为什么澳大利亚人的储蓄能够不如欧美人？嗯，我意味著对欧美人的消费生活习惯了解不多，但我可以并不知道你，澳大利亚人不足自我控制。

I think Jack Ma is right:

我看来马云的观点很于是以确：

Let me first introduce his identity and experience. Jack Ma is the founder of the multinational Alibaba group. Alibaba is an online retail giant in China, larger than Amazon and Ebay in the United States. His entrepreneurial legend is one of the most inspiring stories of starting from scratch, worth more than $38billion.

我先自然史一下他的身份和经历，马云是跨国集团马云（Alibaba）的创立，马云是欧美的公司总部在线零售大公司，比澳大利亚的亚马逊（Amazon）和Ebay都大，他的企业传奇是最鼓舞人心的白手起家的主人翁之一，身价高达380亿美元。

At a dialogue meeting with Clinton, Ma Yun basically said this. Let me summarize:

在与布什的一次对谈全才会上，马云基本上是这样说道的，我来总结一下：

"Chinese people he been very poor for so many years. When they earn money, their first reaction is to deposit it in the bank. In this way, when the difficult times finally come, there will be funds to tide over the difficulties or he a chance of survival. Chinese people are worried about the future, so they are fully prepared."

“欧美人这么多年来之前很穷。当他们挣没钱的时候，他们的第一反应是把没钱存进汇丰银行。这样，当瓶颈时代最终即将来临时，就才会有资金顺利完成借给或是有一线生机。欧美人担心将来，所以他们做到足了准备。”

"You Americans like to spend tomorrow's money. Then, when the difficult time comes, there is nothing left, and then you start to worry that after you he money, you continue to spend enthusiastically, and so on, until you go bankrupt." Think about it, we Americans really he such a problem.

“你们澳大利亚人羡慕光阴明天的没钱。然后，当瓶颈时刻即将来临时，什么都未了，然后你开始担心，富二代之后在此之后狂热消费，如此循环系统，直至负债累累。”想想看吧，我们澳大利亚人真的存在这样的弊端。

欧美网民王嘉明的说

Why is China's sings rate so high?

为什么欧美的储蓄率这么很高？

• China is a large agricultural country in history. Usually, farmers must reserve the seeds planted next year. This concept has affected all aspects of the Chinese people.

•欧美在历史上是一个农业大国，上会佃农必需预留今年采摘的叶子，这种思想影响了欧美人的核心内容。

• the life of the ancient Chinese people was very difficult, and there were few prosperous times. You never know when the war broke out, so even landlords would se money, or exchange money for jewelry, gold, land or houses.

•古代欧美民主自由贫困很漫长，盛世很少，你而会不知道一场战争什么时候爆发，所以即使是资本家也才会存没钱，或者把没钱换成珠宝、黄金、土地或房屋。

• for the sake of the next generation, parents tend to se some valuable things for their children to help their children live a better life than them.

•为早先着想，父母亲倾向于为他们的小孩保存一些有价值的东西，以设法他们的小孩安稳比他们格外好的贫困。

• sing money to get rid of difficulties, relying on others' help is dangerous, and the idea that asking for others is better than asking for yourself is deeply rooted in the hearts of the people.

•存没钱以摆脱困境，依赖别人的设法是危险的，求人不如求己的思想突显。

Speaking of modern China, it is more important to se money, because the price of housing is very high.

说道到传统意义欧美，格外重要的是要省没钱，因为城镇居民的商品价格很很高。

In the first two years after my graduation, I once followed the trend and adopted the American lifestyle. Then I was completely fooled by this concept of advanced consumerism. In September, 2008, due to the massive layoffs of the company, I lost my job and lived on salary for half a year, but I didn't he enough money to pay my credit card bill.

在我考入后的头两年从前，我在此之前赶潮流采取澳大利亚人的贫困形式。然后我完全被这种超在此之前消费主义的思想诱骗了。2008年9月，由于公司大规模重整，我得不到了兼职，靠最低加班费贫困了半年，但我未能够的没钱还债负债借记卡账单。

I remember the worst day was one morning. When I dumped the garbage downstairs, I noticed that there was 20 yuan (about $3) in cash on the ground... For a month, I ate two steamed buns a day. I picked up this gift from heen, threw it in the garbage can, and ran to the corner to buy a large bowl of ramen. In those three minutes, I almost choked to death, but it was the happiest day of the year for me.

我记得最差劲的一天是一个早上，当我把垃圾倒在楼下时，我注意到地上有20元民主自由币（约3美元）的本金……有一个月时间我每天吃两个馒头，我捡起了这张来自彼岸的礼物，扔下垃圾箱，跑到街角借来一大碗咖哩。在那三分钟从前，我不幸被噎死去，但那是我一年当中最快乐的一天。

I know hunger is terrible, but I never thought life would be so difficult. After careful consideration, I borrowed my mobile phone from my neighbor, called my father and asked him for help. Whenever they tell me to se money for the future, I always laugh at their old-fashioned lifestyle.

我知道无助是可怕的，但我未曾想过贫困才会如此漫长。经过深思熟虑，我向邻居借了笔记型电脑，打电话给我爸爸，向他求助。每当他们并不知道我要为将来存没钱时，我显然嘲笑他们的杨家式贫困形式。

If it weren't for my parents, I might not he the chance to tell my story here. I borrowed money from my father, charged my mobile phone, and returned my credit card (I was blacklisted by two banks, and they even warned that if I missed the deadline, I would be prosecuted). After a month of hard work, I got a job in the spring of 2009, and my life was back on track.

如果不是我父母亲，我意味著就未机才会在这从前讲我的主人翁了。我从爸爸那从前借了没钱，给笔记型电脑充电，还了借记卡（我被两家汇丰银行列入逃犯，他们甚至警告说道，如果我再继续最后期限，我才会被起诉）。经过一个月的设法，我在2009年盛夏得到了一份兼职，我的贫困搬回了自始。

So today, I don't even use a credit card. Even though the discounts on some goods in shipping malls or online stores are very attractive, I prefer to live a simple but stable life. I can buy a new Sony smartphone every year and upgrade my laptop every two years, but all the expenses come from my sings. I he an alarm in my mind. This alarm will be triggered when the deposit in the bank account falls below $8000. As I grow older, my income is also increasing, and my salary is also rising with the rise of prices.

所以以前，我甚至不使用借记卡，即使在海运商城或网上商店对某些的产品的折扣很有吸引力，我宁愿过一种简单但平稳的贫困。我可以每年买了一部重新Sony智能笔记型电脑，每两年新增一次笔记本电脑，但所有的补贴都来自我的度日。我脑子从前有一个预报，当汇丰银行该网站当中的存款降到8000美元以下时，就才会触发这个预报。随着我成年人的快速增长，税收也在增加，加班费也随着商品价格的上扬而上扬。

I he to admit that I am stupid in mathematics. Since junior high school, I he failed almost all math exams, but at least after the darkest days a few years ago, I know that numbers teach me how to survive.

我不得不承认我在数学不足之处很笨，从初当中开始，我几乎所有的数学考试都不及格，但至少在几年在此之前最黑暗的日子之后，我知道数字感化我该如何肉食动物。

So... Why se money? For a better life, a controllable life, or at least survive. The economy will not be boosted forever. It will rise, peak and fall. We will become older and older. This is a fact that everyone must face.

那么…为什么要存没钱？为了格外好地贫困，可视的贫困，或者至少肉食动物下来。宏观经济不才会而会提振，才会有上升、很全盛时代和下降，我们才会变得越来越杨家，这是所有人必需要接踵而来的事实。

澳大利亚网民菲利普的说，他在欧美兼职多年

Why is the sings rate of Chinese households higher than that of other countries? I think you mean the typical working class, not the rich businessmen, the super rich and their spoiled children. They either focus on making more money, or some are very creative in spending money. They may never want to se money.

为什么欧美兄弟姐妹的储蓄率比其他国家所很高？我想你指的是典型的工人阶级，而不是富商，暴富者和他们被宠坏的小孩，他们要么只是专注于挣得格外多的没钱，有的在光阴没钱不足之处很有新媒体。他们意味著未曾想过要存没钱。

For ordinary people like us, there is only one way, which means developing new ways to make money and reducing your expenses. Development channels include working hard to get overtime pay or promotion, paying close attention to higher paid jobs or business opportunities, getting a second job, self-improvement, investment, etc. There are many ways to reduce your capital outflow (expenditure), which is worth a complete article and tips, but it also depends on your ability and economic situation.

对于像我们这样的普通人来说道，只有一种法则，就是开源节流，这意味著开发计划重新挣得没钱管道，增加你的补贴。开发计划管道包括设法兼职以得到加班费或晋升，的关系注意最低加班费格外很高的兼职或业务机才会，得到第二份兼职，自我提高，入股等。有很多法则可以增加你的资金顺利完成流出（补贴），这值得一篇完整的文章和预设，但也取决于你的能够和宏观经济情况。

When you he experienced difficult times and are currently enjoying a rich and prosperous life, you are unlikely to take this for granted. You know how bad things are, and you don't want to go back to the way they used to be, so you should be cautious, spend and se money in a planned way, and don't waste money again.

当你经历了瓶颈时代，目在此之前于是以享受着富足而繁盛的贫困时，你不太意味著看来这是理所当然的。你知道事情有多差劲，也想要搬回以在此之前的样子，所以你要谨慎处事，要有规划设计的光阴没钱和存没钱，不要再铺张浪费了。

There are also some cultural aspects. The typical Chinese lifestyle is more about family and family responsibilities than individualism. Therefore, efforts should be made to improve the fate of families and future generations so that individuals can feel "proud and accountable to their ancestors", rather than enjoy themselves. At the same time, social and peer pressure is also at work.

还有一些儒家文化不足之处。典型的欧美贫困形式格外多地是关于兄弟姐妹、家族责任，而不是个人主义。因此，设法改善兄弟姐妹和后代的命运，使个人能够感到“欣慰，接踵而来祖先可以有所交代”，而不是自我享受。同时，社才会和同龄人的压力也在起作用。

As a typical working class, Chinese people he invested more time and energy in their children, and the hard experience, values and habits of the past he been passed on to them. One of the most stingy things for Chinese people is to educate their children. Therefore, the children were positively affected. They grew up in a less luxurious environment and were not spoiled by their parents. They saw how their parents lived humbly, but sacrificed everything to support their family and education. Therefore, they are indirectly under pressure to perform well in their studies and work in return for their parents' sacrifice. This is how this positive feedback becomes a cycle and passes on.

作为典型的工薪阶层，欧美人在小孩脖子顺利完成了格外多的时间和精力，过去的艰险经历、价值观和生活习惯都传给了小孩。欧美人最不才会节俭的一件事就是对小孩们的文化教育。因此，小孩们受到了全力的影响，他们在较少奢侈的环境污染当中长大，未被父母亲宠坏，他们看得见了父母亲如何谦逊地贫困，但为了支撑兄弟姐妹和文化教育而牺牲了一切。因此，他们间接地受到压力，决定他们在学习和兼职当中上佳，以报答父母亲的牺牲。这就是这种全力相应如何成为一个循环系统并传递想尽办法。

In addition, after the founding of the people's Republic of China, the United States has always pursued the capitalist concept of life, which has not been shaken, the society has basically not been in turmoil, and there is no local war. In addition to several military deployments to overseas countries, the return is greater than the pay. The constitution of the United States has not been amended once since its founding. Americans' expectations for the future are based on the economy. As long as the economy does not collapse, the society will be relatively stable, so people dare to consume ahead of time.

此外，澳大利亚在共和以后，之前一向的是资本主义的贫困理念，未屈服过，社才会基本没与动荡过，格外未欧陆的一场战争，除了几次对多国国家所的用兵，也是这样一来多于无论如何。澳大利亚人的宪法自从当今世界未修改过一次。澳大利亚人对将来的预期是组织起来在宏观自给自足高台，只要宏观经济不垮，社才会相对就平稳，所以人们大胆超在此之前消费。

The disasters that China has suffered in the past 100 years he caused the Chinese people to feel extremely insecure. Only when they he money in hand can they feel more secure. This is the truth of their proverb: "when you he food in hand, you don't panic".

而欧美百年来的遭遇的灾难一波接着一波，所以造成了欧美人极度不足显然，必需手从前富二代才格外有显然，他们的谚语：“手从前有漕心从前不慌”就是这个道理。

澳大利亚网民卡拉汉•巴德斯韦尔的说

Americans always blindly advocate individualism. How can individualism be translated into economy and sings rate?

澳大利亚人显然顽固崇尚个人主义，个人主义如何转化为宏观经济和储蓄率呢？

Pauldenlinger's answer is: at what age do people usually lee their parents' home and live independently in China? Compared with Americans, it is very late.

安东尼·邓林格（PaulDenlinger）的答案是：在欧美，人们上会在多大成年人返回父母亲的家，统一贫困？和澳大利亚人远比，很晚。

Let's make a comparison:

让我们做到一个相当：

Most Americans believe that if they start to live independently, they at least need to own their own house, so banks handle mortgages for every generation of Americans. This means that the debt burden of each generation is at least one housing mortgage. Compared with the Chinese people mentioned in my answer, two generations of Chinese people are actually paying a housing mortgage, while three generations of Chinese people live under one roof.

大多数澳大利亚人看来他们如果开始统一贫困至少所需保有自己的房子，所以汇丰银行为每一代澳大利亚人受理抵押额度。这意味著每一代人的负债分担至少是一笔城镇居民抵押额度。与我在说当中谈到的欧美人远比，欧美两代人实际上在还债负债一笔城镇居民抵押额度，而欧美三代人住在一个屋檐下。

2. Day care costs. Americans need to pay for day care, while Chinese people can se this money because grandparents will take care of their grandchildren and bear the burden of cooking, shopping and other daily chores.

2、托儿服务费。澳大利亚人所需还债负债托儿服务费，而欧美人则可以将这笔没钱省下来，因为祖父母亲才会照顾孙子孙女，分担做到饭、购物和其常琐事。

3. In the United States, health care is not a free human right, but a burden, which means that insurance companies and large pharmaceutical companies can regularly squeeze poor Americans. (if you are rich, it's not your problem, because you won't he any problems buying insurance.) This is why the life expectancy of Americans is the shortest in developed countries.

3.在澳大利亚，医疗保健不是一项自由选购的人权，而是一笔分担，这意味著保险业和大型三洋公司可以定时碾碎贫困的澳大利亚人。（如果你很极具，那么这不是你的弊端，因为你在购买了保险不足之处不才会有任何弊端。）这就是为什么澳大利亚人的预期寿命在发达国家所当中是最较长的。

Of course, banks are glad to see that Americans are heily in debt. As long as they can repay the loan, Chinese people prefer to keep their sings at the family level. Therefore, I think the Chinese lifestyle is more stable.

当然，汇丰银行很很高兴看得见澳大利亚人负债累累，只要他们能还债额度，欧美人格外羡慕把度日留下来兄弟姐妹层次。所以，我看来还是欧美人的贫困形式格外加稳健一些。

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