目前已经明确保护公民储蓄的法律条文有：一、《中华人民共和国宪法》第十三条规定：“国家保护公民的合法的收入、储蓄、房屋和其他合法财产的所有权。”“国家依照法律规定保护公民的私有财产的继承权。”二、《中华人民共和国民法》第七十五条规定：“论民的个人财产，包括 At present, the legal provisions on the protection of citizens’ saving have been formulated as follows: 1. Article 13 of the Constitution of the People’s Republic of China stipulates: “The state shall protect the lawful rights and interests of citizens and their ownership of houses and other legal property.” “The state shall, in accordance with the law, Protect the inheritance rights of citizens’ private property. ”2. Article 75 of the Civil Law of the People’s Republic of China stipulates:" On the people’s personal property, including