保值,是对本金亏本的一种补贴。1988年9月10日以来,国家对三年以上定期储蓄实行的保值补贴措施,是为了储户在银行存款不受物价上涨所带来的损失。虽不增值但却保本,对稳定存款、稳定金融起了一定作用。作为银行中长期贷款(这里指实际贷款期限在三年以上的各项贷款),国家却没有采取任何保值措施,反而使原来的中长期存 Preservation, is a kind of subsidy to the loss of principal. Since September 10, 1988, the state’s policy of hedging and subsidizing fixed-term savings of more than three years is aimed at saving depositors from bank losses caused by price increases. Although not value-added but guaranteed, on the stability of deposits, stabilizing the financial played a role. As long-term bank loans (here refers to the actual loan period of more than three years of loans), the state did not take any hedging measures, but make the original long-term deposit