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    Summary of content:The characteristics of some individuals are determined to be a factor that affects the individual's decision to use a formal method，But the role of trust in decision -making does not actually get people's attention，When humans make an economic decision，Trust is often considered a very critical factor。This article studies the impact of trust in individuals when the individual's savings decision -making decisions。We use the original data and apply the two -point constant probability return method to analyze。results show，Except for other factors，Vigorously enhance the trust of the individual，It is especially critical for promoting formal savings methods。Based on these studies，This article proposes an important policy revelation about how to recover the trust of personal trust in financial institutions。[Zhao Yuanyuan Translation] 

    Samuel Tawiah BaidooHave a master's degree in economics，A belonging to the Department of Economics, Knust of Gacon Cruma Institute of Technology (Knust), which is affiliated to Ghanakmani。He is currently a project research assistant and doctoral student at the school department of the school，Its research field includes microeconomics、Analysis of Monetary Economics and Economic Policy。Email: Samueltawiahbaidoo@yahoo.com 

　　Linda AkotoHave a master's degree in economics，Currently is a doctoral student at the Department of Economics at the University of Ghana University in Laigon，The field of research includes monetary economics、Economic Policy Analysis and International Economics。email: akotol@ymail.com