一、社会集资的产生与发展第一，十一届三中全会以来，由于生产的发展，商品流通的扩大，使城乡居民收入大幅度提高。从而使城乡居民手中的持币量增加，这就为开展社会集资提供了货币基础。！第二，随着经济体制改革的深化和各项事业的发展，对资金的需求量不断增加。而一些资 First, the emergence and development of social fund-raising First, since the Third Plenary Session of the Eleventh Central Committee, due to the development of production and the expansion of commodity circulation, the incomes of urban and rural residents have risen substantially. Thus increasing the holding amount of money held by urban and rural residents, which provides the monetary basis for raising funds for social development. ! Second, with the deepening of economic restructuring and the development of various undertakings, the demand for funds has been constantly increasing. And some funding