For pre-May 31st, 2009 borrowers, the savings from securing a lower interest rate and reducing monthly MIP costs can be significant.

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It influences the interest rate we get on our savings and the rate we pay on our mortgages.

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Series I Savings Bonds are currently yielding 1.76% and the interest rate is adjusted every six months for inflation.

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High savings (sometimes mandatory), interest rate controls, and high economic growth let Chinese banks enjoy a steady interest rate spread and a larger loan volume.

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Kevin Mountford, of Moneysupermarket.com, said that the margin between the Bank rate and the interest paid by savings accounts was actually very high at present.

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"HSBC keeps its savings rates under review, and they remain competitive in the current interest-rate environment, " says HSBC Vice President Neil Brazil.

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The high net interest margins at Wells Fargo have, in large part, been attributed to its large low cost average core deposits (which include noninterest-bearing deposits, interest-bearing checking, savings certificates, market rate and other savings, and certain foreign deposits).

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France-born Laplance founded Lending Club in 2007 after he became irked by the massive disparity between the 18% interest rate on his credit card bill, and the 1% savings rate at his bank.

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Local economists estimate that a successful exchange one that would elevate the overall acceptance rate of the restructuring from its current 76% to 95% or better could reduce Argentina's interest rate from 15% to between 10% and 13.5%, producing savings that would easily compensate for the expansion of the debt burden.

ECONOMIST: Argentina