Basically, if the overprint contains that character at the bottom left, it's very likely a savings stamp. That's the character for gold, and implies money. (That same character is the first of two characters that mean "bank". -- I read Japanese at an elementary level, but this is one of the occasions where Chinese and Japanese use the exact same characters.)
So, if a collector can learn to recognize that character (kinda looks like a side view of a picnic table (with 2 feet!) under a roof), then you know there's a really good chance that it's a savings stamp, and won't be listed in Scott.
If there are some exceptions to what I just described, I hope someone will be able to elaborate on it for us. I just wanted to provide a quick tip.
(I collect Japan, but have found myself with stamps from China every now and then.)
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