由于医疗和养老保障不充分，教育成本高企，收入不平等加剧以及人口趋势等因素，家庭储蓄率一直在上升，这进一步加剧了收入的下降。
This fall in income has been magnified by rising household savings rates, driven by insufficient insurance for health care and old age, the high cost of education, growing income inequality, and demographic trends.