本文通过城镇居民储蓄问卷调查,结合各项经济、金融监测指标统计数据,以福建省长乐市为例,分析当前基金热销状况及对居民投资、储蓄和借债行为的影响及基金热销蕴藏的风险,提出正确引导居民基金投资的相关建议。 Based on the questionnaire survey of urban residents ’savings and the statistical data of various economic and financial monitoring indicators, taking Changle City of Fujian Province as an example, this paper analyzes the current situation of fund hot sale and the impact on residents’ investment, saving and borrowing behavior as well as the hot selling of fund Risk, put forward the correct advice to guide the investment of residents fund.