二战以来,特别是六、七十年代以来,世界各地掀起了一股投资基金的发展热潮。例如在美国,商业银行的存款比重逐年下降,投资基金的投资比重日益上升,每四个美国家庭中就有一户投资于投资基金;在美国的金融市场上,投资基金的资产已达2万亿美元,与商业银行资产平分秋色。投资基金凭借专家管理、分散风险和规模经济的优势,赢得了广大中 Since World War II, especially since the 1960s and 1970s, there has been a wave of development of investment funds all over the world. For example, in the United States, the proportion of deposits in commercial banks has been declining year by year. The investment proportion of investment funds has been rising day by day. One in every four U.S. households invests in investment funds. In the U.S. financial markets, the assets of investment funds have reached 2 trillion USD, equal shares with commercial banks. Investment funds by virtue of expert management, risk diversification and economies of scale, won the majority