一直以来,在人们的个人资产组合篮子中,国债都占有一定的比重。这不仅是由于国债的发行者为国家,安全性上有保障,还因为国债的收益率通常比银行的存款收益率高,而且收益所得无需交纳利息税。常见的与个人投资相关的国债品种主要有两种:凭证式国债和记账式国债。二者有什么不同?投资哪种比 All along, the national debt has a certain proportion of people’s personal asset portfolios. This is not only because the issuers of national debt are safeguards for the country but also because the yields of government bonds are usually higher than those of banks and the interest income is not subject to interest tax. There are two main types of common national debt related to personal investment: voucher treasury bonds and book-entry treasury bonds. What is the difference between the two?