从９月份开始，华安创新基金、南方稳健成长基金在人们的期盼中相继面世，但出乎人们意料的是，基金的发行并未出现预期的火爆场面。由此，引出了人们对开放式基金的诸多思考。难道皇帝的女儿也愁嫁？开放式基金会否夭折？无论市场目前作何反应．开放式基金的上市终究是中国资本市场十年发展进程中的一件大事。标志着我国基金业的发展迈上了一个新台阶，也加快了我国基金业与国际惯例接轨的步伐。 开放式基金是世界基金业的主流，也是我国基金业的发展方向。中国基金业经过３年的探索，终于完成了从封闭式基金到开放式基金的跨跃．同全球其他证券市场相比，应该说是相当迅速的。由于开放式基金具备集合资金、专家理财、自由赎回于一身的特色，它的登场必将缔造资本市场全新的运作格局。在眼下新的投资理念尚未形成之际，它可以结合自身的特点和市场状况，在投资策略上作出新的尝试。防范风险、收益稳定、注重流通、崇尚成长，这既是对开放式基金的要求，又是中小投资者追求的目标，也是市场发展的理想境界。 开放式基金的上市，也对商业银行的经营提出了严峻的挑战。从世界范围来看，伴随着基金业的飞速发展，个人和公司的银行存款增幅却呈现出不断下降的趋势。虽然开放式基金的推出究竟分流了资金市场? Starting from September, the Hua An Innovation Fund and the South Steady Growth Fund have been published in the hopes of the people. However, contrary to the expectation, the fund’s issuance did not show the expected hot scenes. As a result, many people lead to open-end fund thinking. Is the emperor’s daughter worry married? Open-ended foundation will die? No matter what the market is doing now. The listing of open-end funds is ultimately a major event in the ten-year development of the Chinese capital market. It indicates that the development of the fund industry in our country has taken a new stage and accelerated the pace of linking the fund industry with international practices. Open-end funds are the mainstream of the world fund industry, but also the development direction of the fund industry in our country. After three years of exploration, China’s fund industry has finally completed the leap from a closed-end fund to an open-ended fund. Compared with other securities markets around the world, it should be said that it is quite rapid. As the open-end fund has the characteristics of pooling funds, expert wealth management and free redemption, its debut will surely create a brand new operating pattern in the capital market. At the moment when the new investment concept has not yet come into being, it can make new attempts in investment strategy in light of its own characteristics and market conditions. Preventing risks, gaining stability, focusing on circulation, and advocating growth are not only requirements for open-end funds but also small and medium-sized investors, and also an ideal realm for market development. The listing of open-end funds also poses a serious challenge to the operation of commercial banks. From the perspective of the world, with the rapid development of the fund industry, the growth rate of personal deposits and corporate deposits shows a declining trend. Although the launch of open-ended fund diversion of funds market?