储蓄储蓄在一些人的心目中,是一种非常保守的理财方式。它相对于股票、房地产、邮票、期货等来说,收益率比较低。但是,股市、楼市等始终存在着无法预测的巨大风险,而储蓄建立在银行信用之上,收益率始终稳定。它是一种稳定的收益的累积。对于普通家庭来说,只要充分利用储蓄的优势,选择最优组合,定能使家庭财富不断增长。储蓄投资相对于其他投资主式,有以下优点: 储蓄是最方便的一种投资方式。我国银行和非银行金融机构(信用合作社、邮局等)储蓄网点遍布城乡各地,储户可以就近参加储蓄。特别是近年来,银行电脑化的发展,信用卡的使用,以及异地存款业务的开办,储户不 Savings in some people’s minds, is a very conservative way of managing money. It has lower yields than stocks, real estate, stamps, futures, etc. However, there are always unpredictable risks in the stock market and the property market. Savings are based on bank credit and the rate of return is always stable. It is a cumulative gain. For the average family, as long as they make full use of the advantages of savings and choose the optimal combination, the family wealth can be steadily increased. Savings investment relative to other main investment, has the following advantages: Savings is the most convenient kind of investment. China’s banks and non-bank financial institutions (credit unions, post offices, etc.) savings outlets throughout urban and rural areas throughout the savers can participate in savings. Especially in recent years, the development of bank computerization, the use of credit cards, and the opening of off-site depository businesses, the depositors are not