急急急，我想找一篇关于中西方理财差异的文章，中英对照的。寄到1@qq.com，谢谢了

into a restaurant and found mr.shop owner was actually the one who interviewed the old the investors yasumizu(a pseudonym),a good surpr**e.
amoy shares]
stocks."the reporter asked.
shares according to speculation,but the concept of change,not engage in short-term speculation but to take part of the funds long-term investment,and then part of the funds do industry."mr.yi said.
why think of to do industry?mr.yi financial outlook ** very different:the"hollowing out"in order to prevent the family assets(family business).
family business hollow of and
industrial hollow of a similar
easy to believe that mr.early mainly by the manufacturing of the primitive accumulation of zhejiang private enterpr**es encounter industrial development bottlenecks,it ** easy and a variety of market speculation bundled.in addition to the reputation of wenzhou real estate corporation,all over the province in recent years h**e popped up the cixi heritage group","l**hui hydropower group","zhejiang trademark group","yongkang made room group"a variety of pragmatic industry hot money speculation group.recently,media exposure than 60 l**ted companies doing regular jobs,20 billion of funds prohibited against the wind financial.from real estate,stocks to buy financial products and loan-sha**ng.capital of l**ted companies to invest in can be described as full of tricks.from the semi-annual report of l**ted companies can be found in adjusting structure,promoting the transformation of the economic situation and the financial environment of the tightening of liquidity,money market funds there ** a structural imbalance.from a number of l**ted companies **ell opportunity,driven by high interests of the corporate entities"duties,"the phenomenon ** becoming serious,exacerbated the r**k of hollowing out.
the family business ** similar to the hollowing and hollowing out.negative interest rates and financial context of globalization,the chinese people to break the traditional pot of money ** the inevitable choice.the problem ** that s**ing move",where their money?if we regard the money be used entirely for stocks,real estate,loan sha**ng and even engage in house,car mortgages"all loans"** bound to aggr**ate the r**k of the family business hollowing.time,the money did not love to go out,and the remaining hollow or not.
chinese and american
different concept of f**cal management
as the older generation of investors,mr.yi has been to the united states,europe,the home slope at their own expense to examine residents financial.he compare with the american concept of f**cal management.
china ** a country with 5,000 years of ancient civilization,the ancestors left us with a lot of valuable cultural heritage,including of course the many time-tested financial management concepts,such as living within our means,pooling resources and ideas of the financial aspects of the chinese people w**dom.the united states ** the most developed countries of the global financial,but also a major exporter of financial management concepts,** also a debt.
americans love to borrowing trouble.according to the united nations"global financial stability report,the u.s.gross national product(gdp),totaling$14.5 trillion in 2010 as a benchmark to estimate the amount of u.s.treasury bonds ** 100 percent of its residents 91%of its debt.american society ** currently facing a total debt of about$55 trillion,** nearly four times the annual gdp in the united states,liabilities of$176,000 means that the **erage,each u.s.citizen,every american household debt amounted to$660,000.the figures on the daily national debt clock near times square in new york,together with the american heart stop beating increase.
however,we do not belittle the financial w**dom of the americans.chinese people gambling ** also worse than the americans.mr.yi's students play the futures in zhuhai,millions of family property losses depleted,still shenzhen attractions a street vendor selling drinks,sun hat.in the u.s.,even if the r**k guru george soros said:do not bet the entire belongings,money to be made and do not stand idly by.americans invest in stocks for short-term trading(daily transactions)many people,the vast majority of long-term holding toss,like access to the cash dividend return on investment.one do not h**e that special time;much to invest in the stock market for long-term profits,rather than depending on a day to become rich.in addition,the americans place emphas** on the role of taxation,whether it ** investing in stocks and funds,or buy a house,and the accumulation of pension will take into account the **sue of taxation.when to sell stocks or funds,they will be loss of preferred stock first throw,to fully enjoy the tax advantages.
in china,we want to get the tax relief ** basically not possible,especially in a large number of wo**ng-class wage and salary earners income tax ** withheld.even if you stock thanks to will not cut you a penny tax.of course,th** ** also the chinese people can safely do the short-term trading,stock trading do not charge capital gains tax,earn their own.in the u.s.,capital gains are taxable.hold no than 1 year of assets,capital gains tax rate ** higher than holding assets of than 1 year,and th** ** why americans are relatively few of the reasons of short-term trading.
open a restaurant or about a return to"matchmaker
mr.yi industrial little there ** another reason,to admire the **all private enterpr**es to provide employment for the community.
and now after 80,90,mr.yi so that the people of the 1950s and 1960s almost all matchmaking only love marriage.so,he always felt at least to introduce successfully a pair of their restaurant with the idea of ​​"matchmaker"similar.mr.yi ** a reopening of the first university graduates,when many companies to grab the university graduates,while the current economic prosperity and development,many college students,but can not find a job.
i'm from the mainland to shenzhen for a lot of work,each time fortunate.can see many people now can not find jobs,always felt debt to society now open a **all restaurant to solve the employment of 20 individuals,only peace of mind than."mr.yi said.
mr.yi admitted that the industrial difficult,difficult for **all business owners when.taxes,prices of raw materials,utilities,capital,labor costs overall r**e th** year,the situation ** severe.according to the research of mr.yi,**all businesses,low profits,accumulated rely on in a dime.investment to expand production,throughout the year hands ** no money.maybe life ** no money unless the company stopped.in times of monetary expansion,many **all business owners to give up the industry turned to investment and expect to make quick money;and the tightening of liquidity,th** part of the **all business owners likely to become a pauper,and had to start from scratch a street vendor,selling straw hats.mr.yi hope that the ** has increased support for the policy of **all private enterpr**es,do co.,to really get the policy benefits.
进一餐馆，发现店老板竟是一个曾采访过的老股民易水（化名）先生，好是惊讶。[淘股吧]
不炒股啦。记者问。股照炒，只是观念变了，不搞**而是拿一部分资金长线投资，再用一部分资金做点小实业。易先生说。为什么想起做点小实业呢？易先生理财观很另类：为了防止家庭资产（家业）"空心化。家业空心化与
产业空心化类似
易先生认为，早期主要通过制造业完成原始积累的浙江民企，当遭遇实业发展瓶颈时，很容易和各种市场化的炒作捆绑在一起。除了名声在外的"温州炒房团"，近年来浙江各地还冒出了"慈溪文物团"、"丽水水电团"、"浙江商标团"、"永康造房团"等多种不务实业的游资炒作团体。最近，媒体又曝光有超过60家上市公司不务正业，200亿资金违禁顶风理财。从炒房、炒股到买理财产品、放**…上市公司资金投向可谓花样百出。从上市公司半年报中可以发现，在调结构、促转型的经济形势和收紧流动性的金融环境下，市场资金出现结构性不平衡。一些上市公司从中嗅到机遇，在高利益的驱动下，实体企业"不务正业"的现象渐趋严重，加剧了产业空心化的风险。家业空心化与产业空心化类似。在负利率和金融全球化环境下，**人打破传统的钱罐子是必然选择。问题是"储蓄搬家"后，钱投向何处？如果大家都把钱全部用来炒股、炒房、放**甚至搞房子、汽车抵押的"**"，势必加剧家业空心化的风险。到时候，钱没了，爱熄了，剩下空心要不要。**人与美国人
理财理念有区别
作为老一代股民，易先生曾自费去过美国、欧洲、新家坡等考察居民理财。他把**人与美国人的理财理念进行比较。**是一个有着五千年历史的文明古国，祖先为我们留下了很多宝贵的文化遗产，当然也包括许多经过时间检验的理财理念，如量入为出、集腋成裘等思想都体现了**人理财方面的智慧。美国是全球金融最发达的**，也是现代理财观念的主要输出国，同时还是最大的举债国。爱举债的美国人最近麻烦不断。据联合国《全球金融稳定报告》，以2010年美国国民生产总值（gdp）总额14.5万亿美元为基准，估算美国国债数额是其100%，居民债务是其91%。目前美国社会面临的总债务约55万亿美元，是美国全年gdp的近4倍，意味着平均每位美国公民负债17.6万美元，每个美**庭负债额达到66万美元。现在每天在**广场附近的国债钟上的数字，与美国人的心一起不停跳动增加。可是，我们也不要因此贬低美国人的理财智慧。**人的**性比美国人还厉害。易先生的同学在珠海玩期货，百万家底亏损殆尽，现在还在深圳景点摆地摊卖饮料、遮阳帽。而在美国，即使是风险**索罗斯也说过：千万别**整个家当，虽然有钱可赚时也不要袖手旁观。美国人投资股票作短线交易（或每日交易）的人不多，绝大多数人长期持有不折腾，喜欢获得现金分红高的投资收益率。一来没有那个专门时间；二来大部分人投资股票市场是为了长期获利，而并非依一日之功来成为富翁。另外，美国人还比较重视税收的作用，无论是投资股票和基金，还是买房和积累养老金，都会考虑到税收的问题。在抛售股票或基金时，他们会首选亏损的股票先抛，充分享受税收上的好处。而在**，我们想获得税收上的减免基本没有可能，尤其是大量的工薪阶层，工薪收入的所得税是代扣代缴的。即便你股票亏得再多，也不会减你一分钱税。当然，这也让**人可以放心大胆地做短线交易，因为股票交易不收资本利得税，赚到的都是自己的。而在美国，资本利得是要纳税的。持有不超过1年的资产，资本利得税的税率要高于持有1年以上的资产，这也是为什么做短线交易的美国人相对较少的原因。开餐馆等于做一回"红娘
易先生做点小实业还有另外的原因，就是很敬佩为社会提供...