It is natural for human beings to save so they do not have to depend on others to help them live decently when times get bad or when their earning power diminishes.

• 作为一个在过去的十年来一直帮助中国生产商和零售商的市场营销者，我知道中国消费者与他们辛苦获得的现金说再见时那种顾虑的心理，以及如何才能让他们迈出这一步。