英语论文网

近年来，在经济快速发展的一个时段。固定资产投资开始了新一轮的热潮。股票热、土地开发热等已经吸收了相当多的社会资本，导致社会资本需求激增。房地产积累热潮的出现，必然会给现金流通带来巨大冲击。但是，不管多大的利益可能或诱惑有多大，个人必须持有物业适当防范风险，在日常生活中付出必要的或不必要的开销。一个人应该拥有的财产，可以根据每个人的不同习惯和喜好而有所不同。
In recent years, economic is developing in a rather rapid speed. Fixed asset investment has started a new round of upsurge. Stocks heat, land development heat etc. have absorbed a quite large quantity of social capital, resulting in a surge of the demand of social capital. The emergence of the property accumulation boom will inevitably bring about a huge impact to the cash circulation. But, no matter how high the interest could be or how big the enticement is, individuals must hold an appropriate amount of property to prevent risks and pay the necessary or unnecessary overhead in daily lives. The sorts of property one should own can be different, according to diverse habits and preferences of each.
难免有富人与穷人之间的收入差距，或者说，不平等。因此，我们不能为所有的人得出一个通用的标准。财产的一部分必须自己是他/她真正的需要决定的。雇主可能需要更多的资金来防止商业风险和劳工事故等。在这种情况下，财产的数量不仅仅是由生活消费来衡量的。也应该有一些空间来满足他们的额外欲望，这是由人类或其他事物的差异所激发的。对于相对贫困的人来说，情况要简单得多，食物、衣服和其他生活必需品可以是必要财产的全部组成。There is inevitably an income gap between the rich and the poor, or in another word, inequality. Therefore we cannot draw a universal standard for all the people. The portion of property one must own is determined by his/her real need. Employers may need more of that to prevent business risk and labor accident etc. Under this circumstance, the amount of property is not just judged by the life consumption. There should also be some room for their extra desire, which is inspired by the difference between humans or something. When it comes to the relatively poor people, the situations are much simpler, food, clothing and other life necessities could be the whole composition of the necessary property.
As for the sort of property, insurance is also a very good means of disposing individual wealth. It is commonly accepted that only financial, pure and particular risks are insurable. There are many kinds of insurance, such as medical insurance, social security, property insurance and others. Take an example, property insurance provides protection against risks to property, such as fire, theft or weather damage. This may include specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance. The term property insurance may, like casualty insurance, be used as a broad category of various subtypes of insurance. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.
Admittedly , the accumulation of property itself as a form of financing, if under reasonable guidance and effective regulation of the country, will play a positive role in facilitating financing and improving efficiency in the use of capital.
However, once the accumulation of property is out of control, investing cost and production cost will continue to improve. Many projects and enterprises will not be able to bear this burden, and then it will be passed on to the nation, squeezing costs and expenses, thereby reducing the taxes paid by the States. At this point, the accumulation of property is becoming excessive.
Excessive accumulation of property can also be distinguished by its negative effects: first, excessive disparities between income distributi