Savings ratio (propensity to save)

The ratio of savings to income, usually related only to private households. – Experience shows that as income rises and assuming – price stability, – unchanged expectations, – unchanged tax burden, – stable wealth (assets will hold their value; the market price of the portfolio in securities and other assets does not change) and – fixed purchasing habits (constant preferences), more is saved and thus less is consumed; the marginal rate of savings increases. – See desaving, money cutting, inflation, saving, saving frenzy, government debt, consumption-reducing. – Cf. Deutsche Bundesbank Monthly Report of September 2007, pp. 41 et seq. (Consumption and saving in Germany since 1991; many overviews), ECB Monthly Report of December 2009, pp. 76 et seq. (Household saving rate since 2000; overviews), Deutsche Bundesbank Annual Report 2009, p. 19 (Overview of the saving rate in the U.S.), ECB Annual Report 2010, pp. 70 et seq. (Savings behavior of private households in the euro area since 2000; overviews).

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University Professor Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.
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