2003年,我国国内生产总值超过11万亿元,人民生活总体上由温饱迈向小康,人均收入有了显著提高。而近年银行存款利率多次下调,大家开始积极寻求其他合适的投资理财渠道。当人们纷纷把储蓄资金投向证券市场时,一般投资者往往不具备足够的时间、精力和专业知识来进行股票投资,且证 In 2003, China’s GDP exceeded 11 trillion yuan, and people’s livelihood as a whole moved from adequate food and clothing to well-to-do level with per capita income significantly increased. In recent years, the bank deposit interest rates have been lowered several times, and everyone has started to actively seek other suitable investment and financing channels. When people invest their savings funds in the securities market, the average investor often does not have enough time, energy and expertise to invest in stocks.