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中国人民银行从1996年5月到1999年6月,连续降息七次。第七次降息,一年期储蓄存款利率降至2.25%,贷款利率降至5.85%,可以说我国已进入低利率时期。在低利率条件下,储蓄失去了投资的吸引力。此时,人们必然会积极寻求其它途径投资。然而由于居民个人投资渠道较窄,理财技能不高,防范风险的意识和能力较差,所以家庭金融风险不时出现。那么此时家庭如何规避金融风险呢?
The People’s Bank of China cut the interest rate seven times in a row from May 1996 to June 1999. The seventh interest rate cut, one-year savings deposit rate fell to 2.25%, loan interest rates dropped to 5.85%, we can say that China has entered a period of low interest rates. With low interest rates, saving loses the attractiveness of investment. At this point, people are bound to actively seek other ways to invest. However, due to the narrow personal investment channels of residents, financial management skills is not high, to prevent the risk awareness and ability to poor, so from time to time the family financial risks appear. So how do families avoid financial risks?