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现阶段 ,利率已处于历史最低水平。储蓄存款年均收益率最高不超过 3个百分点 ;商业保险和各种债券的收益率略高于储蓄 ;购买股票 ,收益率虽高 ,风险太大 ,赚赔比例 2 :8,且赢利率在 10 %以上的只占一成 ;房产 ,作为一种收益较高 ,风险又小的投资品种 ,可以说 ,是居民选择投资和
At this stage, the interest rate has been at its lowest level in history. The average annual rate of return on savings accounts for no more than 3 percentage points; the yields on commercial insurance and various bonds are slightly higher than those on savings; while stocks are bought, the rate of return is high, the risk is too high, the ratio of making losses is 2: 8, 10% or more accounted for only 10%; real estate, as a higher yield, risk and small investment products, it can be said that residents choose to invest and