However, the high savings rate could also mean people worry they will need the money for retirement.

然而，高储蓄率也可能意味着人们担心他们需要这笔钱来养老。

Also sounding bullish about their ability to charge more for loans while also not having particularly high savings rates.

听起来他们也有能力收取更高的贷款费用，同时也没有特别高的储蓄率。

A higher saving rate would be much less painful for the economy if it were achieved through increased income rather than lower spending.

一个更高的储蓄率如果是通过增加收入而非降低花销所成就那么经济所承受的创伤会更小。

So they're going to care the most about you, which means that they're going to lower the fees for you and offer you, you know, higher savings rates.

所以他们会最关心你，这意味着他们会降低你的费用，并为你提供更高的储蓄率。

They've made bumper profits from their lending activities and they've been able to do this really because they haven't been rewarding savers with higher savings rates as they've been charging borrowers higher rates on their loans.

他们从贷款活动中获得了丰厚的利润，他们能够做到这一点是因为他们没有用更高的储蓄率来回报储户，因为他们向借款人收取了更高的贷款利率。