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社会集资是指资金筹集者与货币投资者通过一定的经济契约方式,把社会上分散的闲置资金有效地集中和运用起来的资金融通过程。在市场经济中,社会集资的主要方式有银行储蓄、银行债券和股票三种方式。从货币投资者的角度出发,正确选择集资方式应考虑三个主要问题;第一,期限性,指投资回收的期限越短越好。这方面储蓄是最优越的,即使是定期存款,只要肯牺牲存款利息随时都可以取回现金;债券要规定偿还期,到期之前不可抽回本金;股票的偿还期一般是无限的,只付股利,不还本金。第二,安全性,指投资风险的大小。一般说储蓄的风险很小,除非银行倒闭;债券的风险要具体分析,期限短、流动
Social fund-raising refers to the process of capital financing through the use of certain economic contract methods by fund-raiser and currency investor to effectively pool and use the scattered idle funds in society. In the market economy, the main methods of social fund raising include bank savings, bank bonds, and stocks. From the perspective of the currency investor, three main issues should be considered in choosing the right fund raising method. First, the term of maturity means that the shorter the time limit for investment recovery, the better. Savings are the most advantageous in this respect. Even if it is a time deposit, you can always withdraw cash at the expense of deposit interest. Bonds must have a repayment period and the principal must not be withdrawn before maturity; the repayment period for stocks is generally unlimited. Dividends are paid, not the principal. Second, security refers to the size of investment risk. Generally speaking, the risk of saving is small unless the bank fails; the risk of the bond must be analyzed specifically;