以下为句子列表：
英文: It is concluded that the Chinese residents' saving behavior is different in various stages, the saving irregularity deepens as economy grows and the influential factors besides income have lagged effect of one or two years.
中文: 本文研究表明，我国居民的储蓄行为在不同的历史阶段有明显的区别，随著社会经济的发展储蓄行为的无规律性会越来越严重，收入以外的其他影响储蓄的因素主要存在一年和二年的滞后作用。
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