目前中国家庭现时存在的问题主要是投资渠道少、投资品种较单调。中国加入WTO后,家庭在理财方面至少可得到以下几方面的实惠: 1、信用消费将大大普及。一旦外资银行被允许经营人民币零售业务,极有可能将国外一整套发达的信用等级考核制度引入国内,推进信用卡领域的扩大,使国内消费都和国外消费者一样,在购买商 At present, the problems existing in Chinese families are mainly the lack of investment channels and the more monotonous investment products. After China joins the WTO, the family can at least get the following benefits in terms of wealth management: 1. The credit consumption will be greatly popularized. Once foreign banks are allowed to operate renminbi retail business, it is quite possible to introduce a well-developed set of credit rating systems abroad into China to promote the expansion of credit cards so that domestic consumers, like foreign consumers,