把钱存入银行，既保安 全，又获得利息收入，是我国居民传统的理财方式。如今这种理财方式已受到了严峻的挑战。自１９９６年５月以来，中国人民银行已连续７次降息，使存款利率大幅下降。以居民储蓄存款比例较高的１年期定期存款为例，利率已由原来的１０．９８％降至现在的２ Depositing money in a bank will not only ensure security but also earn interest income, which is a traditional way of managing wealth for Chinese residents. Today’s financial management has been a serious challenge. Since May 1996, the People’s Bank of China has cut interest rates seven consecutive times, causing the deposit interest rate to drop sharply. Taking the one-year fixed deposit with a high proportion of savings deposits of residents as an example, the interest rate has dropped from 10.98% to 2