随着居民收入水平的提高，投资需求也日益加大。由于国债具有利率水平比同档次储蓄存款高、免征利息收入所得税、可随时提前兑付并享受相应档次利率、可质押贷等优点，因此深受广大居民青睐，成为居家理财的重要渠道。目前凭证式国债发行网点大都集中在大中城市，城镇乡村居民 As the income level of residents increases, the investment demand is also increasing day by day. As treasury bonds with interest rates higher than the same level of savings deposits, exempt from income tax on interest income can be readily redeemed at any time and enjoy the appropriate grade interest rates, collateral loans and other advantages, so favored by the majority of residents, become an important channel for home financial management. At present, most of the issuance outlets of voucher-type bonds are concentrated in large and medium-sized cities and towns and village residents