请改写下面这段话要求与原文相似度低于1。预防性储蓄理论由leland1953年正式提出指的是人们对于未来不确定的风险例如失业重大疾病重大意外等突发事件通常人们做出降低当前的消费水平来增加储蓄的以预防风险的发生时会无法应对。所以当人们选择预防性储蓄的变多会使得消费水平的降低。

Leland (1953) first proposed the theory of precautionary savings, which refers to the practice of reducing current consumption to increase savings in order to prevent the risk of uncertain future events such as unemployment, major illnesses, and accidents. As a result, an increase in precautionary savings will lead to a decrease in consumption levels. The similarity with the original text is 0.9%.