目前，我国居民储蓄余额突破43万亿元，成为全球储蓄总额和人均储蓄都最多的国家。与此存在因果联系的是（）
①家庭投资理财渠道较少
②存款储蓄的收益率在所有投资方式中最高
③我国的社会保障体系已非常完善与健全
④居民收入上升
A.①②
B.③④
C.②③
D.①④
参考答案：D
解析：
我国储蓄存款的高速增长，主要原因是我国经济发展水平提高，居民收入显著增加。但也反映出我国社会保障体系不健全，投资理财的渠道狭窄，故①④符合题意，③错误。②错误，储蓄存款的收益最少。
考点：储蓄存款
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| I am not one who is frightened easily, but I must admit that one night I saw a figure th at really struck terror into my heart. I 1 it was a cold moon - lit night when I was walking home. It was the first night of my whole life that I had been outside 2 at such a late time. There were 3 few people on the road at night. Even during the day, the road was used by only some. On that night, it seemed even 4 . While I was walking, I could hear some 5 made by creatures that love the night world. I moved really fast towards home. It was 6 because I was hungry. More importantly, I was eager to get back home for warmth. All of a sudden, I 7 an old lady in a short distance away. Her 8 was covered with a white cloth. She was 9 to me, I think. I was a bit 10 . I wanted to know 11 she was there at that time of the late night. I stopped walking for a while. As I 12 there, stories about ghosts (鬼) began to come to my mind one after 13 . I was soon 14 fear and started to run as fast as I could. When I reached home I could 15 speak. The next day, however, I 16 that place again to make sure that the woman was not a ghost but indeed a real person. But I could find no footprints there 17 a banana plant. I realized then that it was the banana plant with its leaves moving in the gentle wind that 18 like a woman waving her hand. I had indeed made a fool of myself; but after the 19 night's experience, this 20 was small relief to me. | ||||
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