记账式国债银行柜台交易，在大多数投资者眼里还是陌生的。普通投资者选择哪种国债更合适？为此，笔者对记账式与凭证式国债作一下比较。首先，从利息收入来说，凭证式国债利息收入比较固定，以近日发行的５年期凭证式国债为例，年利率为２．７４％，这意味着１万元的国债存足 Book-entry treasury bond over the counter, in the eyes of most investors is still unfamiliar. What kind of government bond investors choose more appropriate? To this end, I make a comparison between bookkeeping and voucher government bonds. First of all, from the interest income, the interest income of voucher treasury bonds is relatively fixed. Taking the 5-year voucher type treasury bonds issued recently as an example, the annual interest rate is 2.74%, which means that 10,000 yuan treasury bonds are sufficient