国有商业银行陆续开始全面收费, 但许多人还是不知如何改变理财行为,还在以老习惯来处理经济生活,导致花了不少的冤枉钱。就目前来说,私人理财必须做到四个改变。 一、改“私款公存”为“私款私存” 　 以前,一些人为了规避 20%的储蓄存款个人所得税,实施了 “私款公存 State-owned commercial banks have started to charge in full, but many still do not know how to change their financial behavior. They are still using old customs to handle their economic life, resulting in a lot of wasted money. For now, there are four things that private finance must do. First, change the “public deposit of private funds” to “personal private deposit” In the past, some people in order to circumvent the 20% personal savings tax savings, the implementation of the "