By the same token, aside from the very wealthy, who benefit from personal connections and other devices, the hundreds of millions of ordinary Chinese savers who have achieved middle-class status do not have easy access to global markets. Moreover, returns on deposits are low (and had been negative), and the state-dominated financial system offers few diversified products.
同理，除了可以从人脉和其他手段获益的巨富群体外，数亿跻身中产阶级的普通中国储户无法进入全球市场。此外，存款回报极低（此前一直为负），国家主导的金融体系也不提供多样化的产品。结果，住房和国内股市就成为他们能够进行的主要投资手段。