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She added that those who plan to pay out of five-year notes would be better off waiting for the New Year. The savings rate in January has fallen to historic lows since last August's cut in bank interest rates. Some western economists believe that enterprises as an organizational form of production are, in part, an alternative to the market. The fund's managing director Christine Lagarde said Christine Lagarde, in June 2016, voted to leave the European Union has an impact, the British economic growth this year and in other parts of the world economic growth. His European central bank held interest rates unchanged and signaled that it would maintain its aggressive currency, despite data showing strong economic performance in the region.