首先,目前股市的火热是由人为的低利率造成的。存款是中国居民最基本的金融资产,作为一种资产获得正的回报是最起码的要求,但存款负利率已断断续续持续了四年,同时,现在企业投资收益率多在15％以上,房地产价格涨幅也在10％以上,在各类资产持有中,存款是最不值得选择的一种资产形式。在低利率的环境 First, the current hot stock market is caused by artificially low interest rates. Deposits are the most basic financial asset of Chinese residents. As a positive return on assets, it is the minimum requirement. However, the negative interest rate of deposits has been on and off for four years. At the same time, the rate of return on investment of enterprises now stands at over 15%. The real estate price increase Also more than 10%, in all kinds of assets held, the deposit is the least worthwhile choice of an asset form. In a low interest rate environment