国债:有钱买不到国债是现今居民追逐的紧俏“商品”。然而,国债发行下达给基层金融机构的指标不足,难以满足城镇居民投资所需。特别是住在乡镇的居民根本买不到。许多农民甚至不知道什么时间、到哪里去购买国债。保险:理赔太难由于近几年来保险公司在理赔业务上暴露出来的种种 Bonds: Treasury bonds can not be bought is the current tight pursuit of residents of “goods.” However, the indicators issued by government bonds to grassroots financial institutions are not enough to meet the investment needs of urban residents. In particular, residents living in towns and villages simply can not buy. Many peasants do not even know when and where to buy government bonds. Insurance: claims too hard due to claims insurance companies in recent years exposed all kinds of