Definition of savings rate

savings ratenoun

tỷ lệ tiết kiệm

/ˈseɪvɪŋz reɪt//ˈseɪvɪŋz reɪt/

The term "savings rate" refers to the proportion of disposable income that an individual, household, or economy sets aside for saving rather than spending or consuming. This concept of savings rate emerged during the develop-ment of modern economics in the early 20th century, as economists began to recognize the importance of saving for long-term goals such as retirement, education, or business investment. The savings rate is calculated by dividing the total amount saved by disposable income (income after taxes and other deductions), and is used as a measure of an economy's propensity to save and invest, as well as a predictor of future economic growth and stability. It can also be used as a personal financial planning tool to help individuals determine how much they should save to achieve their financial goals.

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the interest rate paid on a savings account

lãi suất phải trả cho một tài khoản tiết kiệm

Example:
  • The savings rate is averaging around 2%.

    Tỷ lệ tiết kiệm trung bình khoảng 2%.

a measure of the amount of income saved rather than spent or paid in taxes by a group of people, a country, etc.

thước đo số tiền thu nhập được tiết kiệm thay vì chi tiêu hoặc nộp thuế của một nhóm người, một quốc gia, v.v.

Example:
  • At that time, East Asian countries had one of the highest savings rates in the world—above 30 per cent on average.

    Vào thời điểm đó, các nước Đông Á có một trong những tỷ lệ tiết kiệm cao nhất thế giới - trung bình trên 30 phần trăm.