理財文化-中美財富觀的不同

理財文化——中美財富觀的不同理財文化——中美財寶觀的不同

中國論文聯(lián)盟*編輯。Abstract:Ialwaysaskmyself"whyistheeconomyconditionindifferentcountriesdifferent?'Itisaquestionhardtoanswer.However,thereisnodoubtthatthedifferenceoftheattitudestowardsmoneyamongdifferentcountriescontributesalottothat.Inthispaper,IwanttoparetheChineseandAmericanattitudeswhichmaybetypical.

Chinesepeoplesattitudestowardsmoney

Makingmoremoneyhasbeeanimportantpartinpeopleslife.AnddoingbusinessalsobeesadesireformanyChineseyoungmen.Thereexistsanoldsayinggoes"Moneymakesthemarego',whichshowshownecessarymoneyistoChinesepeople.Hereesomepoints.

Becautiouswhendoingbusiness

ChinesepeopletreatmoneyanddothEirmanagementcautiously.Nomatterhowconfidentyouare,youmightbetreatedasbEIngimprudentwhenyoudecidetoinvesttoofastinChina.LiJiacheng,therichestm

理財文化——中美財寶觀的不同

aninourChina,oncesaid,"weneedtocheckthestonebridgewhencrossingtheriver.',whichwasaprovidentofChinesepeoplecautiousattitudetowardsmoney.

Lovetosavemoney

DeposithasbeeanimportantpartofChinesepeopleslife.OnceaChinesehavegotsomemoneyinhisorherhand,hisorherfirstchoiceistosaveit.AlthoughChinasawadramaticallyeconomyincreaseinrecentyears,whichleadstomoreandmoreyoungpeoplepreferringconsumption,savingthemoneyisstillthetrend.

Thefirsthalfofthisyear,theconsequenceofthequestionnairesurveybyThe

PeoplesBankofChinashowsthat33.4percentsofChinesepeoplechoosetosavetheirmoney.FixeddeposithastakenabigpartofChinesesdeposit,mostofwhicharegoingtobeusedwhentheyareoldorgettingillinthefuture.ToinspiretheconsumptionofChinesepeople,whichhasagreatinfluenceonChineseeconomy,Chin

理財文化——中美財寶觀的不同

esegovernmenthasimplementedmanypolicies.However,theyarenotefficient,forthesenseofsavingthemoneyalreadyrootinginpeoplesminds.

Ifinvest,theychooserealestate,antiqueorstock.

Chinesepeoplethinkthatinvestingtothehousesisawaytomakemoneywithlittlerisk.Infact,theprosperityofChineseeconomyshouldowemuchtothedevelopmentofrealestatemarket.However,thefinancialcrisisinAmericatellsusthattheprosperityoftherealestatemarketeswithalotofhazard.

AntiqueisanotherfavoriteofChinesepeople.ItissaidthatChinahas70millioncuriosoesnow.

Andstockmarketisbeingincreasinglyhotnow.WhensteppingintoaStockExchange,youwillsurelyfeelsurprisedtoseethebigcrowdofpeoplelaughing,cryingorshouting.

Begoodatmakingmoney

ItamazestheworldthatChinesepeoplehavetalentinmakingmoney.60millionChinesebusinessmeninthe

理財文化——中美財寶觀的不同

worldspreadinabout170countries,includingAmerica,EuropeandAustralia.Recently,ChinesebusinessmenhavepromotedacloserelationshipwithChinesegovernment.70percentsofforeigninvestmenttoChinaefromChinesebusine

中國論文聯(lián)盟Americanstreatmoneyfreeandeasy.Thereisnodoubtthattheythinkmuchofmoney,treatingitasasymbolofability,successandstrength.However,theyactuallyunderestimatethemoneytheymakeanduseineverydaylife.Thatmeanstheydonotliketoprotectandsavethemoneytheymake.Onthecontrary,theyprefertoconsume,andtheyevenusethemoneyinadvance,inlargescaleandareusedtoborrow-and-spendlifestyle.TotheAmericanpeople,Americaisanabundantland,havingahistoryofprosperityfor200years,andnowitisstillatthehEIghtofpowerandsplendors.Andtothem,Americaisalsoacountryofferingmanyopportunitiesandthestatusandlifeofeverybodyhereischangingallthetime,soanyonecanprobably

理財文化——中美財寶觀的不同

beamillionaire.Youcanuseyourtalentandabilitytoreachyourgoal,andyoucanchangeyourlifethroughanewchoiceofwork,anewmarriageorevenanewlottery.Thisoptimistic,confidentandhopefulstylehasbeedeeplyingrainedinAmericanpeoplesmind,eveninthosewhocanearnonlyabout20thousanddollarsayear.Theirmoneystatushasbeenover-valuedbythemselveswithoutconscious.

Throughsomestatistics,wecanseethatAmericanslovetoconsume,whichisingeneralhealthy.Comparedwiththeconditionof10yearsago,themoneyforpearlsandjewels,housefurnishingsandcigarettesandwinehascutdownobviously.Meanwhiletheyspendmoreoneducation,puters,housesandtransportation.Comparedwithpeoplefromothercountries,Americanpeoplearemoreabsorbedincharity,foreachadultspendingabout1097dollarsontheaverage.

Americannationareproudofthemselves,astheyfeeltheyaresmart,powerful,capableandhardwor

理財文化——中美財寶觀的不同

king.Theyalwayswanttobeefficient,becausetimeismoneytothem.Moneymeansalot,anditcanshowthevalueofaperson.Inthissociety,thericharealwaysrespectingandadored.Somerichmenevenhavebeeheroes,suchasBillGates,WarrenBuffetandRockefeller.

Summary

Peopleformdifferentcountriestreatmoneydifferently.Wecannotsaywhichwayis