改革开放以来，我国城乡居民的储蓄越来越多，手持现全量也越来越大，截至今年８月底全国城乡居民储蓄存款达６２８６１亿元。随着金融投资渠道的增多，储蓄存款还不是个人金融资产的全部、私人持有的国债、企业债权、手持现金、股票、保险等还未包括在内。但对绝大多数居民来 Since the reform and opening up, more and more savings have been made by urban and rural residents in our country and the total amount of hand-held ones has also been increasing. By the end of August this year, the savings deposits of urban and rural residents in the country reached 6,286.1 billion yuan. With the increase of financial investment channels, savings deposits are not all of personal financial assets. Privately held treasury bonds, corporate claims, hand-held cash, stocks, and insurance are not yet included. But to the vast majority of residents