The blame 　　 　　The low savings rate in the UnitedStales and twin deficits in fiscal andcurrent accounts at the macro-economiclevel should take the blame. The U.S.Government and households have reliedon debts to maintain their high spendingrate. The ratio of household debt todisposable income has increased from 101percent in 2001 to 138 percent at present,while the U.S. debt-to-GDP ratio stands at73 percent, up feom 60 percent in 2000.

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