勤俭节约不惧危机华人储蓄率高于他族金融危机促使美国人开始重视储蓄,一些经济学家预计美国人平均储蓄率将从目前的不足1%上升为5%到10%,而一贯善于存储的华人的储蓄率更将上升到22%。不过,华人小区银行业者则表示,因为目前政府对银行利率和经营方面的人为操作,使小区银行不一定能够在华人存储率的上升中分到一杯羹。勤俭节约一直是中华民族的传统美德,令很多经济建立在借贷模式上的西方国家艳羡。一些西方经济学家 Diligent, thrifty and fearless, the Chinese save rate is higher than other ethnic groups. The financial crisis has prompted Americans to pay attention to saving. Some economists expect that the average saving rate of Americans will rise from less than 1% to 5% to 10%, and they are always good at storing. The Chinese’s savings rate will rise to 22%. However, the Chinese community bankers stated that because of the current government’s artificial operation of bank interest rates and operations, the community banks may not be able to obtain a share of the increase in the Chinese storage rate. Diligent and thrifty has always been the traditional virtue of the Chinese nation, which has encour- aged many countries whose economies are built on loan models. Some Western economists