Diminishing returns for savers should lead to increased consumer borrowing demand, according to a report by the Commonwealth Bank's economics team.Recent consumer debt trends "indicate an increase in appetite for risk," CBA said in the report released yesterday."Savings preferences have shifted in a way that is consistent with a bit more risk appetite, a bit less balance sheet repair and a bit more spending. "This is common when savers returns are diminished because of low interest rates and strong housing activity," CBA said. "Australian households are in a financially sound position. Cautious attitudes to debt over recent years have resulted in households undertaking balance sheet repair."