Economic policy Savings and savings are influenced and determined by economic policies that follow a state (it can affect interest rates and other variables affecting the savings). Changes in interest rates, for example, that savers can be motivated or unmotivated to save. An increase in interest rates that savers can have more reasons to reduce their consumption and saving, or it may have the opposite effect. At equal levels of income, depends on two effects known as the income effect and substitution effect. Just as rising interest rates may encourage savers to consume less to save more, it can happen that, being the higher the return on savings, you can meet the goal of cumulation provided for allocating a greater share of income to present consumption . This rise in interest rates can occur, for example, the ways in which the government gets the resources for its activities.If the government decides to request resources provided to the financial system in significant amount, interest rates rise. The savings are equally important for the future and the present economic development of any nation. The production of a company, for example, involves some limited resources such as land. If it wants to improve its production and has problems with limited resources, should seek to improve their production based on investments (eg in technology or machinery). If the company can save over a given period, will be able to more easily access, through loans, to those machines or the technology or other economic resources. Similarly, if banks have more savings accounts will have more money to lend and will not require that individuals, companies or the State requesting funds abroad. This, in general, facilitate and encourage economic activity and growth in a country.