The reasonable configuration of personal assets--Assignment代写范文

Assignment代写范文:“The reasonable configuration of personal assets”，这篇论文主要描述的是在经济高速发展固定资产投资成为一种趋势的环境下，个人资产的合理配置成为了我们应该思考的问题，个人对于股票、物业房产的投资在什么范围内比较合适，如何才能够有效的防范固定资产投资可能带来的风险了，如何从各自的喜好与习惯出发来投资，这就是本文所探讨的内容。

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.

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.

Excessive accumulation of property can also be distinguished by its negative effects: first, excessive disparities between income distributions, so that low-income individuals will feel unbalanced in mind; second, due to the high interest rates and high dividend of some sorts of fund accumulation fund raising feature, commodity prices are rising improperly.

When the above adverse consequences appear, the accumulation of property should be stopped or controlled.

In the future, the country should be serious is financial disciplines. The nation should implement unified management of the accumulation of property about fund-raising purposes, interest rates, repayment and so on to form uniform regulations.

Whether it is taken in the form of funds, the provisions of the program are subject to the consent of the competent authorities, to apply to the bank, for approval procedures. To this end, rising to strengthen the management of three aspects: first, the States should carefully examine the qualification of the units and the legitimate running of the enterprises. Second, the collection of funds to be earmarked, to monitor the use of a bank account. Third, the issue of stocks, bonds, bank to entrust uniform handling. Last but not least, develop uniform violation penalties. The breach, found from raising or not raising contractors to comply with, the relevant provisions shall be given administrative, economic sanctions, in order to raise funds to implement effective management.

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