随着我国加入ＷＴＯ已成事实，对外贸易的迅速增长，国家外汇储备稳步上升，居民个人的外汇收入也明显增加。１９９３年来，我国金融机构的外汇存款余额仅为２１２亿美元，而截止到２００１年１１月，我国的外汇存款余额就超过了２０００亿美元，居民个人的外汇储蓄余额近８０ With the fact that China’s accession to the WTO has become a reality, the rapid growth of foreign trade has steadily increased the country’s foreign exchange reserves and significantly increased individual foreign exchange earnings. Since 1993, the balance of foreign exchange deposits in China’s financial institutions has been only 21.2 billion U.S. dollars. As of November 2001, the balance of foreign exchange deposits in China exceeded 200 billion U.S. dollars and the balance of personal foreign exchange savings reached nearly 80%