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为什么西方人的储蓄率比中国人低很多?

Why do people living in the west have much lower savings rates than the Chinese?

为什么西方人的储蓄率比中国人低很多?

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【美版知乎quora问答】

Tom McGregor, Editor/Commentator at CCTV.com (2015-present)
Answered Wed
As an American, I can speak from personal experiences to answer the questions here. As a child, I grew up in a family where we were encouraged to save money and not spoiled so that if we wanted to purchase something dear to our hearts, we had to earn the money ourselves to buy it.
As a saver, you are required to boost your willpower, maintain self-discipline and remain patient when finding yourself in a shopping mood. These are good personal traits to have and I encourage all others to make efforts to act in a similar manner.

译文来源:三泰虎 http://jblasi.com/44246.html

我是美国人,以下是个人经历。

我在一个崇尚节约的家庭中长大,没被宠坏,想买东西,自己挣钱。

作为节俭的人,意志力要强,保持自律。

Nonetheless, for a few years after graduating from college, I diverted from my good habits on saving and transformed into an overspender, racking up debts. Numerous factors were at play for my behavior but we should still take responsibility for our actions, regardless of circumstances.
So let’s flash forward to my arrival in Beijing in Oct. 2010, when I still had shown a reluctance to save money, but since I had more control over my finances, I was more careful about how I spent my money.

尽管如此,大学毕业几年后,从节俭的人变成了花钱大手大脚的人,债台高筑。个中因素很多,不管怎样,我们都要为自己的行为负责。

回顾一下2010年10月我到北京的时候,那时我仍不愿意存钱,由于赚的钱都是自己管,我对如何花钱就更谨慎了。

After I met my future wife, Zhou Yawei, a Chinese native, she offered to help me with saving money. At first, I was reluctant since her plans involved taking control of my ATM card and just providing me with an allowance for each month, which is a Chinese custom. But she pledged to save the money and alert me on any added purchases on her part.
It was not easy for the first few months to stay so careful on my spending habits, but after reviewing my bank statements, three months later, I discovered we had much more money in the bank.

遇见未婚妻中国人周雅薇(Zhou Yawei)后,她主动帮我省钱。一开始,我不乐意,她要收我的卡,只给我每个月的零花钱,这是中国人的习惯。她发誓要把钱省下来。

开始几个月很难熬,花钱瞻前顾后的,3个月后回头看存款,发现存款变多了。

And just like any regular American, who discovers access to extra money, I wanted to go on a spending spree to celebrate, but Zhou Yawei had prevented me from doing so, warning that anything bad could happen in the future, so it’s better to keep the money in the savings account.
She was proven right in the years ahead. While living in China I had enjoyed many moments of career highs, but also career lows. In some places I was hired and earned higher than expected salary, but at other times I had lost jobs and at one point I was unemployed for a nearly 8 months.

和其他美国人一样,有存款后,我很想血拼庆祝一番。但Yawei阻止了我,说要预防未来的不测,最好把钱存在银行里。

今后几年,她被证明是对的。在中国期间,我经历多次职业生涯巅峰,也经历过低谷时期。有时候拿到比预期更高的薪水,有时候失业,一度失业8个月呢

Fortunately, I moved on to bigger and better things even after some scary sufferings, but in China you never know if the next day is your dooms day. It can be frightening at times, but let’s be honest: life is not fair.

Many Chinese have similar attitudes about life and hence they recognize the enormous value of saving money for a rainy day. Meanwhile, it makes them more hard working and determined to succeed in life.

幸运的是,痛苦过后,迎来了春天。

在中国,你永远不知道明天是否就是末日。有时让人害怕,老实说:生活是不公平的。

很多中国人对生活抱着相似的态度,觉得需要存钱以备不时之需。与此同时,存钱让他们变得更有动力,决心在生活中取得成功。

They tend to be more risk-averse by nature, but as I reflect on my most foolish mistakes in life, I realized that I had taken too many risks and so when failures had struck me, it seemed like a forgone conclusion.
Additionally, the credit craze has not yet taken a hold of Chinese society. Yes, more and more Chinese are using credit cards, but they are smart enough to treat them like bank debit cards and rarely go over the limit on monthly spending.

中国人天生就有风险意识。

反思人生中的错误,发现自己经历了太多风险,当失败降临,似乎就成了必然。

另外,信贷热潮还未对中国社会产生影响。对,越来越多的中国人使用信用卡,但他们花钱,跟用储蓄卡一样,很少会去过度透支的。

WeChat Pay and AliPay are popular for Chinese consumers so they can make purchases on their smartphones, but you have to put money in the e-accounts before you can buy anything, so there’s no imminent danger of going into debt.
So, it’s my opinion that one of the strengths of China’s economy relies on the Chinese mentality to work hard and save money. If the domestic economy places too much emphasis on consumption to spur economic growth that may lead to short-term benefits and long-term consequences.
Saving for the future is better than satisfying your shopping spree whims today and going into debt tomorrow.

微信支付和支付宝很受中国消费者欢迎,方便使用手机购物,电子账户中必须有钱,这样就不会有负债危险了。

我认为中国人勤奋的心态及省钱习惯,是中国经济优势之一。

如果国内经济过分强调消费刺激经济增长,可能会带来短期利益和长期后果。

比起满足今天心血来潮的购物欲让明天负债,为未来省钱更明智。

 

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