核心问题
单数名词 saving 与复数名词 savings 词义不同吗？
词典解答
作为单数名词的 saving 是指“节省”“节省下来的钱或物，节省量”。例如：
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... a very great saving in cost as well as in manpower... (EED) ……人力和成本的大大节省……
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Travelling by train in the middle of the week can mean a saving of several pounds. (Chambers) 在周中乘火车旅游,可节省好几英镑。
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a useful saving of time and money(ALD) 有益地节省时间和金钱
savings 则是指“存款”“储蓄(的钱)”:
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She drew out all her savings... 她取出了她的所有存款……
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It took all our savings to buy the house. (FWF) 为了买这所房子我们花去了全部存款。
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Bob took his savings out of the bank to buy a bicycle. (Neal) 鲍勃从银行取出存款, 买了一辆自行车。