我是农行峨山县支行的一名员工,身处边疆民族地区,由于地理环境及人文因素等多方面条件所限,这里的人们个人投资观念不强,加之信息闭塞,地区经济发展迟缓,投资环境不理想。县域内缺乏支柱产业,金融部门信贷资金难以有效地投放出去,创利渠道不畅。近年来,虽然国家下调了储蓄存款利率,加征了利息税,居民储蓄获利的期望值降低,但由于居民个人寻找不到适 I am a staff member of Agricultural Bank of China as a branch of the County People’s Bank of China. I am in a border ethnic minority area. Due to many factors such as geographical environment and humanistic factors, people here are not well invested in personal investment. In addition, the information is blocked, the local economy is sluggish, not ideal. Lack of pillar industries in the county, the credit of the financial sector is difficult to effectively put out, poor profit-making channels. In recent years, although the state lowered the deposit and deposit interest rates and levied an interest tax, the expectation of savings and savings for residents has been reduced. However,