在过去几年里,保值储蓄对我国大部分居民来说,一直是最具吸引力的个人投资渠道。保值储蓄是在通货膨胀较严重的情况下,中央银行(中国人民银行)采取的一项金融调控措施,其用意在于:(1)保证储户基本利益不受损失。三年期以上定期保值储蓄存款的名义利率不低于通货膨胀率。(2)抑制消费、增加储蓄,降低通货膨胀率。保值储蓄对减少居民即期 In the past few years, hedging has been the most attractive personal investment channel for most of our residents. Preserving savings is a financial regulatory measure taken by the Central Bank (People’s Bank of China) in the context of more serious inflation. Its purpose is to (1) ensure that the basic interests of savers are not lost. Three-year fixed deposit interest rate above the nominal interest rate of not less than the rate of inflation. (2) curb consumption, increase savings and reduce the rate of inflation. Preservation savings to reduce residents on the spot