央行连续七次降息，带动了各项资金和资本价格的跌落，更促进了个人理财寻求多渠道投资。就国债来说，目前虽然因存款降息收益下降，但从1999年11月1日开始，国家开始征收利息税，而国债利息不在此列。为此，即使投资票面利率较低的1999年第三期凭证式国债，其收益也仍高于同期 The central bank cut interest rates seven times in a row, driving down the drop in prices for various funds and capital. It also promoted the pursuit of multi-channel investment in personal wealth management. As far as government bonds are concerned, at present the interest rate cut has been reduced due to the interest rate cuts. However, since November 1, 1999, the state started to impose interest tax, but interest on national debt was not on the list. For this reason, even though the third tranche of the certificate-based treasury bonds with a lower coupon rate was still invested in the same period