一、发展证券投资基金的现实必要性和意义在现阶段,发展证券投资基金不仅必须,而且是当务之急。首先,发展证券投资基金是居民个人财产保值增值的需要。目前我国城乡居民有6万亿左右的储蓄存款,在经过多次降息影响下,他们迫切需要寻求其他投资生财渠道。而我国投资渠道相对单一, I. The Necessity and Significance of Developing Securities Investment Funds At this stage, the development of securities investment funds is not only necessary, but also top priority. First of all, the development of securities investment funds is the personal needs of residents to preserve and increase their value. At present, China’s urban and rural residents have about 6 trillion savings deposits. Under the influence of many interest rate cuts, they urgently need to seek other channels for investment and financial generation. While our investment channels are relatively single,