零存整取的适用对象都有【yǒu】什么【me】人?零【líng】存整取储蓄方【fāng】式可集【jí】零【líng】成整,具有计划性【xìng】、约【yuē】束性、积累性的功能。该【gāi】储种【zhǒng】利【lì】率低于整存整取定期存款,高于活