题目内容：
我国储蓄存款的原则是（ ）。
A.实行统一的利率政策 B.存款自愿，取款自由，存款有息，为储户保密 C.实行鼓励政策 D.实行保护政策
参考答案：
答案解析：
选择题：我国储蓄存款的原则是（ ）。A.实行统一的利率政策 B.存款自愿，取款自由，存款有息，为储户保密 C.实行鼓励政策 D.实行保护政策
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商业银行资本净额与风险加权资产总额的比例不得低于（ ）。A.4% B.10% C.8% D.12%
商业银行资本净额与风险加权资产总额的比例不得低于（ ）。A.4% B.10% C.8% D.12%
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