CAJ | 학술논문

本文通过对近年来美国共同基金管理公司、基金产品、基金投资者群体、基金销售渠道的变动趋势以及共同基金在养老和教育储蓄领域的发展情况的论述和原因分析，指明了主导着基金产品创新潮流的美国共同基金业的创新趋势，阐明了养老金市场的发展对于共同基金产业的发展的重要性，同时得到了规模经济的追求将是共同基金的发展方向的结论。
본문통과대근년래미국공동기금관리공사、기금산품、기금투자자군체、기금소수거도적변동추세이급공동기금재양로화교육저축영역적발전정황적논술화원인분석，지명료주도착기금산품창신조류적미국공동기금업적창신추세，천명료양로금시장적발전대우공동기금산업적발전적중요성，동시득도료규모경제적추구장시공동기금적발전방향적결론。
Based on the explanation and analysis of the trend of changes of management companies, fund products, fund investors groups, fund sales channels of American mutual fund and the development of the mutual fund in pension and educational savings in recent years, the article pointed out the dominating trend of the product innovation in the American mutual fund industry and clarified the importance of development of the pensions market for the mutual fund industry, and concluded that the pursuit of economies of scale will be the development direction of the mutual fund.