Relative to the long-term, bank deposit returns than inflation, bonds, and surely stock returns, people gradually changed to bank deposits for original ways of saving habit, through the commercial Banks provide funds of savings plan and fund investment services, capital effectively into a bond fund, stock fund, guarantee funds and hedge funds and scattered in different areas and industries.
相对于中长期而言，银行存款回报必定较通胀、债券及股票的回报低，人们逐渐改变了原先以银行存款为主要储蓄方式的习惯，通过商业银行提供的基金储蓄计划和基金投资服务，将资金有效地投入债券基金、股票基金、保证基金和对冲基金等，并将资金分散于不同地区及行业。
Shanghai Headquarters of the People`s Bank of China, all branches and business management departments of the People`s Bank of China, all central sub-branches of the People`s Bank of China in provincial capital cities and sub-provincial cities, all policy banks, state-owned commercial banks and joint-stock commercial banks, Postal Savings Bank of China, and China Banknote Printing and Minting Corporation
中国人民银行上海总部，各分行、营业管理部，各省会城市中心支行、副省级城市中心支行，各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行，中国印钞造币总公司：为促进银行本票业务的发展，适应不同业务处理模式的需要，便利银行本票在同一省内的通用，需对银行本票凭证格式和凭证号码编制进行相应的调整。现就有关事项通知如下
Apart from the negative real rates of interest they receive on bank deposits, ordinary Chinese have few other options available for investing their savings, other than a volatile stock market, because of the restrictions on taking money out of the country.
由于中国限制将资金带出国外，普通中国人除了动荡的股市以外，没有多少可投资其储蓄的渠道，银行存款的实际利率也是负值。
But as the stock market has recovered from previous negative expectations over the interest rate raise, the increased gain from bank savings is almost negligible as a bank financial analyst put it.
但是，用一位银行理财顾问的话来说，由于股市已从提高利率的负面预期中恢复过来，存款利息的增长几乎已可忽略不计。
Savers decanted funds into bank savings as the stock market slumped at the end of last year; more recently, fears of slowing growth and rising prices have prompted them to tie their money up for longer.
由于去年底股市暴跌，储蓄者将资金转移到银行账户；最近，出于对经济增长放缓和物价上涨的担忧，储户更是将存款期限延长。
Shanghai Headquarters of the People`s Bank of China; all branches, business management departments, and central sub-branches of the People`s Bank of China in provincial capital cities (capital cities of autonomous regions) and sub-provincial cities; all policy banks, state-owned commercial banks and joint-stock commercial banks; the Postal Savings Bank of China, China Unionpay Co., Ltd., the Clearing Center for City Commercial Banks, and the Rural Credit Banks Funds Clearing Center Corporation Limited
中国人民银行上海总部，各分行、营业管理部，省会城市中心支行、副省级城市中心支行，各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行，中国银联股份有限公司、城市商业银行资金清算中心、农信银资金清算中心有限责任公司：为贯彻落实党的十七届三中全会精神，提升农村地区金融服务水平，有效助推农村经济发展，现就大力改善农村地区支付服务环境提出以下指导意见。