中国的经济文化是世界闻名的高储蓄文化,除了买股票以外缺少受百姓欢迎或认可的直接投资渠道,结果在商业银行中平均每人几乎就有一万元的银行存款,商业银行自然充当了储蓄与投资之间的资金中介,在国家经济建设中一直发挥重大作用。改革开放后中国市场急速发展,需求旺盛,新建、改建、扩建投资(以下统称新建投资)的步伐至今也没有放慢,新建成为投资的主流形式,占据社会总投资的90％以上,“新”成为发展或者发达的标志。商业银行也在不断通过新建项目贷款支持经济发展。然而,市场经济的 China’s economy and culture are world-renowned high-savings cultures. Apart from buying stocks, there is a lack of direct investment channels that are popular or endorsed by the people. As a result, there is an average of almost 10,000 yuan in bank deposits in commercial banks, and commercial banks naturally act as The financial intermediary between savings and investment has always played a major role in the economic construction of the country. Since the reform and opening up, the Chinese market has witnessed rapid growth and strong demand. The pace of building new, reconstructing and expanding investment (hereinafter referred to as new investment) has not slowed down so far and it has become the mainstream form of investment and occupies over 90% of the total social investment. The “new” Become a sign of development or developed. Commercial banks are also constantly supporting economic development through new project loans. However, the market economy