考前秘押作文：收入和存款

　　Directions: For this part, you are allowed 30 minutes to write a composition on the topic Incomes and Savings. You should write at least 150 words, and base your composition on the table and the outline given below:

　　1、上图所示为近年中国居民收入和存款增长率的变化，描述其变化并说明原因；

　　2、对此做出评价。

　　From the charts we can easily find that incomes in China are increasing, and savings deposits are also increasing. In 1965, the average annual income in China increased at a rate of 6%, and the savings increased 6.5%. in 2005 the numbers soared to 29.5% and 31% respectively.

　　The possible reasons, I think, may be as follows. First, with the development of the economy, the wealth of our whole nations increasing. So this promotes the increase in income and savings. Secondly, people have changed their consumption habits greatly in recent years. For example, many parents now spend a lot on their childrens education, and they have to save money for their childrens higher education. Last but not least, with the increase of income, people have more money to save, which can later be spent on insurance, house payments and other large expenses.

　　In my opinion, the increase of income and savings is just like a double-edged sword which can benefit the whole nations revenue while hindering the economys development. The more money is saved in the bank, the less money people spend. To put it briefly, I think Chinas government should take some effective measures to encourage consumption to promote the further development of the economy.