储蓄,对于城乡居民来说,无疑是上策。一是储蓄保险、方便;二是利率档次多,存款期限灵活;三是国家鼓励个人储蓄并为储户保密;四是储蓄增值率稳定、可靠。目前,全国储蓄存款已达13000亿元,较1978年翻了几十倍,这些钱若一次性抛出,能把总价值10000亿元的国家资产吞掉。由此可见,在融资渠道多元化的今天,储蓄是居民的首位选择。但是,随着市场经济的日趋活跃,《储蓄管理条例》的颁布,存款利率的两次上调,保值储蓄恢复,储蓄的计息办法有了较大改变,作为一名热心储蓄的储户,应跟上形势,掌握一定的金融知识,采取科学的储蓄手段,使手中的钱在改善生活的同时,收到最佳的增值效果。因此,储户应当注意四个方面: Savings, for urban and rural residents, is undoubtedly the best policy. First, savings insurance, convenience; Second, interest rates and more flexible deposit term; Third, the state encourages personal savings and savers for confidentiality; Fourth, the savings rate of increase is stable and reliable. At present, the country’s savings deposits have reached 1.3 trillion yuan, a few dozen times more than that in 1978. If the one-off money is thrown out, it can swallow the country’s assets worth a total of one billion yuan. This shows that in the diversification of financing channels, savings is the first choice of residents. However, as the market economy has become increasingly dynamic, the promulgation of the “Regulations on the Administration of Savings” and the two increases in deposit interest rates have resulted in the recovery of hedging savings and the large change in the interest-bearing measures of savings. As a keen savings depositor, On the situation, have a certain degree of financial knowledge, to take scientific means of savings, so that the money in the hands of improving the quality of life, receive the best value-added results. Therefore, savers should pay attention to four aspects: