*  *  Introduction  Ladies and gentlemen, In the event of an earthquake, the question that decides between life and death is whether the buildings are stable enough to withstand the tremor of the earth.
These policies would eventually bring down the savings ratio. Yet, in-depth studies are needed to identify factors influencing the savings ratio, its elasticity with respect to these factors, and the specific adjustment measures to take. Besides, the incomplete reforms in some areas have affected the adjustment of savings ratio.