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储蓄作为居民与金融机构间的一种信用形式，是积累资金的重要手段，也是银行存在和发展的基础之一，在国家宏观经济中起着非常重要的作用。人们储蓄行为的产生是储蓄心理活动的结果，储蓄心理是人们储蓄过程中各种心理现象的总称，包括在储蓄活动中产生的储蓄需要、储蓄动机、?
As a form of credit between residents and financial institutions, savings is an important means of accumulating funds and one of the foundations for the existence and development of banks. It plays a very important role in the national macro-economy. The generation of people’s savings behavior is the result of the psychological activity of savings. The psychology of savings is the general term of various psychological phenomena in the process of people’s savings, including the savings needs and saving motives in the savings activities.