我国经济体制改革的深入为股份制经济的进一步发展创造了条件。 一、人们投资观念的转变为股份制经济奠定了基础 我国开展大规模的现代化经济建设需要大量的资金、这些资金现在主要靠提高国内储蓄率、增加国民储蓄来加以解决。近十几年来,全国储蓄存款余额连续八年以40％以上的速度递增,1991年达到9943.5亿元,如此储蓄存量为实行股份制的资金来源提供了一条主要渠道。 The deepening of the economic reform in our country has created the conditions for the further development of the joint-stock economy. First, the transformation of people’s investment concept has laid the foundation for a joint-stock economy China needs a large amount of funds for carrying out large-scale modern economic construction. These funds are now mainly solved by raising the domestic saving rate and increasing national savings. Over the past decade or so, the balance of savings deposits in the country has been increasing at a rate of over 40% for eight consecutive years, reaching 994.35 billion yuan in 1991. Such savings have provided a major channel for the implementation of the capital source of the shareholding system.