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股息率的作用：类似于债券，好的公司每年给你分一笔现金，这个现金占到你的投入的比率，就是股息率，比如股息率6%，和你存银行定期利率6%（不可能这么高，举个栗子）其实是一样的概念，只不过股票波动更大，风险更大；银行存款没有什么风险，波动很小。
银行存款利率和股息率之间的比较，是投资中重要的比较点，是区分低估还是高估的重要标准。
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