一是期限宜从长。应认识到人民币存款利率在短期内出现反弹几乎无可能，因此在安排储蓄时应从长计议。在存款期限的选择上，应由存短期改为存长期。应多考虑存两三年，甚至三五年的中长期储蓄。二是组合存款。应以定期储蓄存款为主，活期存款为辅，尽量少存活期存款，并以“自 First, the term should be long. It should be recognized that it is practically impossible for a RMB deposit rate to rebound in the short term, so it should be considered when arranging savings. In the choice of deposit term, should be saved from short term to deposit long term. More consideration should be given to saving medium- and long-term savings in two or three or even three to five years. The second is a combination of deposits. Should be based on regular savings deposits, supplemented by demand deposits, saving deposits as little as possible, and "self