加强储蓄管理促进储蓄存款稳步增长周俊香储蓄存款是银行负债的重要组成部分，其一般占银行存款负债的５０％－６０％（其中定期储蓄存款一般占储蓄存款的７０％－８０％）。虽然储蓄存款成本高于企业存款成本，但由于储蓄存款具有较强的稳定性，不象企业性存款易出现大起... Strengthen Savings Management and Promote Steady Growth of Savings Deposits Zhou Junxiang Savings deposits are an important component of bank liabilities. They generally account for 50%-60% of bank deposit liabilities (of which regular savings deposits generally account for 70%-80% of savings deposits). Although the cost of savings deposits is higher than the cost of corporate deposits, due to the strong stability of savings deposits, it is not as easy as corporate deposits.