投资学英文论文2
投资建议英文作文
投资建议英文作文1. Investing in the stock market can be a risky business, but with the right research and strategy, it can also be very rewarding. It's important to diversify your portfolio and not put all your eggs in one basket.2. Keep an eye on market trends and news that could impact your investments. Stay informed and be prepared to make adjustments to your portfolio as needed.3. Consider seeking the advice of a financial advisor or investment professional to help guide you in making smart investment decisions. They can provide valuable insights and help you navigate the complexities of the market.4. Don't let emotions drive your investment decisions. It's easy to get caught up in the excitement or fear of the market, but it's important to stay level-headed and make decisions based on research and analysis.5. Remember that investing is a long-term game. Don't expect to see immediate results, and be prepared to ride out the ups and downs of the market. Patience anddiscipline are key to successful investing.6. Take advantage of tools and resources available to help you track and manage your investments. There are plenty of apps and websites that can provide real-time data and analysis to help you make informed decisions.7. Finally, don't be afraid to take risks, but do so ina calculated and strategic way. Investing is all about balancing risk and reward, so be willing to step out of your comfort zone, but always do so with caution andcareful consideration.。
介绍投资的英语小作文
介绍投资的英语小作文投资（Investment）。
Investment is the act of allocating resources, usually money, with the expectation of generating income or profitin the future. It plays a crucial role in both individual financial planning and the broader economy. In this essay, we will explore the concept of investment, its importance, different types of investments, and some key principles to consider when making investment decisions.Firstly, let's delve into why investment is essential. Investment enables individuals and organizations to grow their wealth over time. By putting money into variousassets such as stocks, bonds, real estate, or businesses, investors aim to earn a return on their capital. Thisreturn can come in the form of dividends, interest payments, or capital appreciation. Moreover, investment fuels economic growth by providing funds for businesses to expand, innovate, and create jobs. It also facilitates theefficient allocation of resources in the economy by directing capital to its most productive uses.Now, let's explore the different types of investments available to investors:1. Stocks: Stocks represent ownership in a company. When you buy shares of a company's stock, you become a partial owner of that company. Stockholders may benefit from capital appreciation if the company's value increases over time, as well as from dividend payments if the company distributes profits to its shareholders.2. Bonds: Bonds are debt securities issued by governments or corporations to raise capital. When you buy a bond, you are essentially lending money to the issuer in exchange for periodic interest payments and the return of the bond's face value at maturity.3. Real Estate: Real estate investment involves purchasing properties such as residential homes, commercial buildings, or land with the expectation of earning rentalincome and/or capital appreciation. Real estate can provide diversification to an investment portfolio and serve as a hedge against inflation.4. Mutual Funds: Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets. They are managed by professional fund managers and offer investors access to a diversified investment portfolio with relatively low investment amounts.5. Exchange-Traded Funds (ETFs): ETFs are similar to mutual funds but trade on stock exchanges like individual stocks. They typically track a specific index, sector, commodity, or asset class and provide investors with exposure to a diversified portfolio of assets.6. Commodities: Commodities such as gold, silver, oil, and agricultural products can be traded as investment assets. They offer diversification benefits and can serveas a hedge against inflation and currency fluctuations.When making investment decisions, investors shouldconsider several key principles:1. Diversification: Diversifying across different asset classes, industries, and geographic regions can help reduce the risk of investment losses. A well-diversified portfolio is less vulnerable to the performance of any single investment.2. Risk and Return: Investors should understand the relationship between risk and return. Generally, investments with higher potential returns tend to come with higher risk. It's essential to assess your risk tolerance and investment goals before making investment decisions.3. Time Horizon: Your investment time horizon, or the length of time you plan to hold an investment, should align with your financial goals. Longer time horizons may allow you to take on more risk and potentially earn higher returns, while shorter time horizons may necessitate a more conservative investment approach.4. Cost Considerations: Pay attention to investmentcosts such as fees, commissions, and taxes, as they can erode your investment returns over time. Choose low-cost investment options whenever possible to maximize your net returns.In conclusion, investment is a vital tool for growing wealth and achieving financial goals. By understanding the different types of investments available and adhering to key investment principles, investors can make informed decisions to build a successful investment portfolio over time. Remember to conduct thorough research, seek professional advice when needed, and stay disciplined in your investment approach.。
良好的投资建议英文作文
良好的投资建议英文作文英文，Investing wisely is essential for securing financial stability and achieving long-term goals. In this essay, I will provide some sound investment advice that can help individuals make informed decisions and maximize their returns.First and foremost, diversification is key. Don't put all your eggs in one basket. Instead, spread your investments across different asset classes such as stocks, bonds, real estate, and commodities. This strategy helps mitigate risk because if one investment underperforms, others may compensate for the losses. For example, during times of economic downturn, stocks may decline in value, but bonds or real estate investments might remainrelatively stable.Secondly, consider the power of compounding. Reinvesting your earnings can significantly boost your returns over time. By allowing your investments to grow andgenerate additional income, you can accelerate the wealth-building process. Take, for instance, a scenario where you invest in dividend-paying stocks. Instead of cashing out the dividends, reinvest them to purchase more shares. Over the years, this compounding effect can result in substantial wealth accumulation.Furthermore, it's crucial to conduct thorough research before making any investment decisions. Don't blindly follow trends or rely solely on tips from others. Take the time to analyze the fundamentals of each investment opportunity and assess its potential for growth. As the saying goes, "Do your homework." For instance, if you're considering investing in a particular company, delve into its financial statements, management team, competitive advantage, and market trends to gauge its long-term prospects accurately.Moreover, don't let emotions dictate your investment choices. Fear and greed can lead to irrational decisions and impulsive actions. Stay disciplined and stick to your investment strategy, even during periods of marketvolatility. Remember the famous quote by Warren Buffett, "Be fearful when others are greedy and greedy when others are fearful." This mindset can help you capitalize on opportunities when others panic and sell off their investments at undervalued prices.Additionally, regularly review and adjust your investment portfolio as needed. Economic conditions, market trends, and personal financial goals may change over time, necessitating modifications to your investment strategy. Periodically rebalance your portfolio to ensure it remains aligned with your risk tolerance and objectives. As life circumstances evolve, so should your investment approach.In conclusion, investing wisely requires a combination of strategic planning, research, and discipline. By diversifying your portfolio, harnessing the power of compounding, conducting thorough research, controlling your emotions, and regularly reviewing your investments, you can enhance your financial well-being and achieve your long-term goals.中文，明智的投资对于确保财务稳定和实现长期目标至关重要。
英文作文国外投资
英文作文国外投资1. Investing abroad can be a great opportunity to diversify one's portfolio. It allows investors to tap into new markets and potentially benefit from higher returns. Plus, it's exciting to be part of the global economy and explore different investment opportunities.2. One of the advantages of investing overseas is the potential for higher growth rates. Developing countries often offer higher growth rates compared to mature markets. This can be attributed to factors such as a growing middle class, increasing consumer demand, and favorable government policies that promote economic development.3. Another benefit of international investment is the opportunity to gain exposure to different industries and sectors. Each country has its own unique strengths and specialties. By investing abroad, one can access industries that may not be as prominent in their home country. This diversification can help mitigate risks and potentiallyboost returns.4. Investing overseas also allows investors to take advantage of currency fluctuations. Currency exchange rates can impact investment returns. If an investor's home currency strengthens against the foreign currency, it can lead to higher returns when converting those investments back into the home currency. However, it's important tonote that currency fluctuations can also work against investors, so careful monitoring and risk management are crucial.5. In addition to financial benefits, investing abroad can provide valuable cultural experiences. It allows investors to learn about different business practices, customs, and traditions. This exposure can broaden one's perspective and enhance their understanding of global markets. It also presents opportunities for networking and building relationships with international business partners.6. Investing overseas does come with its challenges, though. Cultural and language barriers can make it moredifficult to navigate foreign markets. Understanding local regulations, tax laws, and political stability is crucialfor successful international investing. It's important todo thorough research and seek guidance from professionals with expertise in international markets.7. Lastly, investing abroad requires careful consideration of geopolitical risks. Political instability, trade disputes, and economic crises can significantlyimpact investment returns. It's important to stay informed about global events and assess the potential risks before making investment decisions.In conclusion, investing abroad offers numerous advantages, including diversification, higher growth rates, exposure to different industries, currency opportunities, cultural experiences, and networking possibilities. However, it's essential to be mindful of the challenges and risks associated with international investing.。
投资学全英文Chapter2 Securities Markets and Transactions
Securities Markets and Transactions
Securities Markets and Transactions
Learning Goals
1. Identify the basic types of securities markets and describe their characteristics.
Copyright ©2014 Pearson Education, Inc. All rights reserved. 2-7
Figure 2.1 Cover of a Preliminary Prospectus for a Stock Issue
Copyright ©2014 Pearson Education, Inc. All rights reserved.
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Broker Markets
• New York Stock Exchange (NYSE)
– – – – – Largest stock exchange—over 2,700 companies Over 350 billion shares of stock traded in 2005 Accounts for 90% of stocks traded on exchanges Specialists make transactions in key stocks Strictest listing policies
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The Investment Banker’s Role
• Underwriting the Issue: purchases the security at agreedon price and bears the risk of reselling it to the public • Underwriting Syndicate: group formed by investment banker to share the financial risk of underwriting • Selling Group: other brokerage firms that help the underwriting syndicate sell issue to the public • Tombstone: public announcement of issue and role of participants in underwriting process • Investment Banker Compensation: typically in the form of a discount on the sale price of the securities
投资建议 英文作文
投资建议英文作文1. In my opinion, investing in the stock market can bea great opportunity for potential growth. However, it is important to remember that the stock market isunpredictable and can be risky. It's crucial to thoroughly research and analyze the companies you plan to invest in, considering factors such as their financial health,industry trends, and competitive advantages. 。
2. Another investment option to consider is real estate. Investing in properties can provide a steady income through rental payments and potential appreciation in value over time. It's essential to carefully evaluate the location, demand, and potential return on investment before makingany real estate purchases. Additionally, keeping an eye on market trends and interest rates can help you make informed decisions.3. Diversification is key when it comes to investing. Putting all your money into a single investment can berisky, as it leaves you vulnerable to potential losses. By spreading your investments across different asset classes, such as stocks, bonds, and real estate, you can reduce the overall risk and increase the potential for returns.4. It's important to have a long-term perspective when investing. Short-term market fluctuations can be nerve-wracking, but it's crucial to stay calm and focused on your investment goals. Avoid making impulsive decisions based on market volatility and instead focus on the underlying fundamentals of your investments.5. Consider seeking professional advice from afinancial advisor or investment manager. They can provide personalized guidance based on your financial goals, risk tolerance, and time horizon. A professional can help you create a well-balanced investment portfolio and make adjustments as needed.6. Keep an eye on global economic trends and geopolitical events. These factors can have a significant impact on the markets and your investments. Stayinginformed and adapting your investment strategy accordingly can help you navigate potential risks and seize opportunities.7. Lastly, always remember to regularly review and reassess your investment portfolio. Market conditions and personal circumstances can change over time, so it's essential to ensure that your investments align with your current goals and risk tolerance. Don't be afraid to make adjustments or reallocate your investments if necessary.Remember, investing involves risks, and there are no guaranteed returns. It's important to do your own research, seek professional advice, and make informed decisions based on your own financial situation and goals.。
投资更好的意义英文作文
投资更好的意义英文作文A Better Investment。
Investing your money wisely is one of the most important financial strategies you can employ. It can help you grow your wealth, meet your financial goals, and secure your financial future. However, with so many different investment options available, it can be difficult to know where to start.One of the most important things to consider when investing is your risk tolerance. This is a measure of how comfortable you are with losing money in order to potentially make more money. If you have a low risk tolerance, you may want to invest in more conservative investments, such as bonds or CDs. If you have a high risk tolerance, you may be willing to invest in more aggressive investments, such as stocks or mutual funds.Another important factor to consider is your investmenthorizon. This is the amount of time you plan to keep your money invested. If you have a short investment horizon, you may want to invest in more liquid investments, such as money market accounts or short-term CDs. If you have a long investment horizon, you may be willing to invest in more illiquid investments, such as stocks or real estate.Once you have considered your risk tolerance and investment horizon, you can start to narrow down your investment options. There are a variety of different investment vehicles available, each with its own unique benefits and risks. Some of the most popular investment vehicles include:Stocks: Stocks represent ownership in a company. When you buy a stock, you are essentially buying a small piece of that company. Stocks can be a great investment if the company performs well, but they can also be risky if the company does not perform well.Bonds: Bonds are loans that you make to a company or government. When you buy a bond, you are essentiallylending money to the issuer of the bond. Bonds aretypically less risky than stocks, but they also offer lower returns.Mutual funds: Mutual funds are pools of money that are invested in a variety of different stocks, bonds, or other investments. Mutual funds offer a way to diversify your investment portfolio and reduce risk.ETFs: ETFs are exchange-traded funds that track a specific index or sector. ETFs offer a way to invest in a variety of different assets without having to buy each asset individually.Real estate: Real estate is land and buildings. Real estate can be a great investment if the value of the property appreciates, but it can also be risky if the value of the property depreciates.The best way to decide how to invest your money is to talk to a financial advisor. A financial advisor can help you assess your risk tolerance and investment horizon andrecommend investments that are right for you.中文回答：如何明智地投资是您能采取的最重要的金融策略之一。
投资学论文
西南财经大学《投资学》论文学生姓名：班级：学号：2012年5月Real estate market analysis一、Price of Real estate trend analysisGraph 1: Charting of real estate marketWe can see from the graph, Chinese real estate has been rising all the way. In the era of commerical economy, Chinese housing supplying is less than demand, admittedly, this is the direct reason lead to rising of housing price. In supply, first, the land is non-renewable resources, our country have a big population, land for housing is very limited in every cities. Second, the governments at all levels saling the house by auction which improve housing prices virtually. Third, with inflation, cost of building house is raised. From the demand side, on the one hand, Chinese population has exceeded 1.3 billion, this is a rigid demand of housing. On the other hand, speculators see the opportunity in the real estate market, with the inflation continuing, people are more willing to put the money for investment, this making the real estate market stressing.2005, wealthes continue to put money into the real estate market to earn more money, and poors still poor.So,goverment change the control policy to " increase supply and reduce demand" and make the real estate market as an important aspects of macroeconomic control to restrain bubble economy.二、The government's macroeconomic regulation to control the real estate priceincreaseIn 2006,because of the policy before is not reasonable, small and medium-sized housing ratio by declining, speculators to high grade large family housing preferences, housing prices rise deformity. 2005 unreasonable supply structure phenomenon not be suppressed, Beijing, Shanghai, Guangzhou and other major cities house prices soared, which drive the national house prices increase of the city.April 27, the central bank raised lending rates of each level 0.27%, increasing interest rates is inhibit speculation, stable prices. may, nine departments develop 《关于调整住房供应结构稳定住房价格的意见》clearly requirements in various cities announced common commerical house, economy applicable room and low-cost housing construction goal before the end of September, proposed the "9070" policy (housing below 90 square meters of residential ratio must be achieve 70% in development area). It means that macroeconomic policy pay more attantion on the real estate of social life, housing structure and the housing price control, solving the housing problem in thelow-income families’ priority.In 2007, the Ministry of Land and Resources increase land regulation, the tax control as the main means, change the pay of land value added tax of real estate enterprise to "settlement system", increase the tax burden of large family model, and increase the security of poors, inhibit the inflation.In August, return to security, housing problem is an important problem of the livelihood of the people, the party central committee and the State Council Attaches has great importance to solving the housing problem. Just a half year time the central bank raised interest rates five times, to restrain the inflation .In September, the central bank issued new policies that purchase second housing ratio shall not be less than 50%, strictly management of development loans , real estate development loans , land reserve loans and commercial housing purchase loan and so on.In 2007 the central bank to raise deposit reserve nine times, finally produced results, the fast growth of the real estate economics comes to a slow down trend.In 2008, continuing to through the land distribution, fiscal policy control the prices. January 15, raising financial institutions RMB deposit reserve rate 0.5%.It already rise to 15% and creating Chinese history since 1984, clear release the tight monetary policy signals. May 30, the land again valve tight,set the commerical residential house development should not over three years; and keeping the land away will be severely punish, enterprise buy room for individual need to impose individual income tax, small property will not get the homestead certificates and any other policies to achieve the low-rent housing guarantee to 3.5 million households. Due to the influence of the World Financial Crisis, Chinese real estate bubble economy obvious, in late 2008 the central bank decrease RMB deposit reserve rate and the benchmark of lending rates, and a series of new policies to support real estate, prevent the real estate market atrophy too fast. November 10, goverment release four trillionto stimulating consumption ,China come into the second round of inflation.At the beginning of 2009, Banks have issued that superior customer shouldborrow from the bank with seventy percent discount interest rate , the property market warming up. In may, the state council continue to expanding domestic demand to promote the steady economic rapid development. Expanding land of the livelihood of the people use, ensure land of Security room.At the end of this month,coming up with Security room and Common commerical housing first shoud pay twenty persent which is ten persent less than others.It means policy began to relax.In 2010, the real estate long share price is relatively stable,the risk of assets turning into a bubble-and decrease .The government has been release policy actively to rectify the real estate market order. January 10 promulgated "国十一条", confirm the 2010 market regulation fundamental view,.It shows the determination of the central to restrain the rising of non-rational price. As followed, “新国十条”, “9.29新政” define house property tax, Strictly strike people who buy outside in other cities. It is the real estate market’s "timely rain".In 2011, to curb the housing price increase too fast, several departments jointly issued the 《房地产经纪管理办法》, carries out The State Council regulating of real estate . The state council issued the "国八条".Raise the deposit reserved and increase the interest rate.Successively many times to raise deposit reserve and increases in interest rates, Start housing property tax pilot in Shanghai and Chongqing ,in order to restraining overheating in housing prices.三、Stocks analysis——Lander real estate（000558）In 2011, the national commerical house sales 1.099 billion square metres,year-on-year increase by 4.9%, droped 5.7% than the previous year. Commerical house sales for 5.9 trillion, year-on-year increase by 12.1%, droped 6.8% than the previous year.The Real estate loans year-on-year growth , in April 2010 reach the highest 46.4%, after this begin falling, in December 2011, it slightly rebounded.By the end of 2011, the surplus development loan of national affordable housing is 340.9 billion , take 12.5% of the real estate development loan .all the year, totally increased 175.1 billion , 31.7% higher than the beginning of this year.At the end of 2007,Lander real estate begin to emphasis to invest ineast .Especially in second or third level cities , responding the government’s call to achieve sustainabledevelopment.Graph 2:Lander real estate’s price from 2006 to 2011 Throughout Lander real estate’s fluctuations in price since 2006, we could do three parts analysis.In 06, 07 , the real estate market increase rapidly. Because ofinflation and the people’s demand for housing, prices are rising quickly.With the real estate industry’s background, the Lander real estate once rise to 19.9 from 3.46, it’s4.75 times higher than begining. From 2007 to 2009 , in the background of the WorldFinancial Crisis, the price of shock decrease, which not escape the influence of the World Financial Crisis. At the same time, the stock market reaction the bubbleeconomy in our country’s real estate market . The stock market at a high price just in a short time.In 2009-2011, smooth moving. The government take policyactively,first payment 60% if you buy the second housing. The policy said that the goverment make up its mind in tabilize housing prices.Graph 3:from TonghuashunWe can see from the graph ,because of the World Financial Crisis, earning pare share is less than 2007 and 2009.And with the goverment’s macroscopicreadjustment and control, the level of 2010 and 2011 are also low .But we can see the price trend to increase in furture.Graph 4:sina finance and economicsComparing with first quarter of 2012 and 2011, operating profit rale is negative,but rale of return on sale is high . Rate of cost decrease because the company start involving in source , the investment is higher than befor .And rate of total and net assets grouth are increase.So we think the price of Lander real estate will increase.In my opinion, because of the supply and the demand of housing is not balance in our country . second ,speculator also take action, the demand of large and medium-sized commerical houseing still rising house prices . Meanwhile,there are many young like us need to buy housing, small and medium-sized family housing still has a great demand. Only when the supply and demand becom balance ,the house price will not rise rapidly.参考文献：1、我国房地产价格上涨的原因，2010-12-04，百度文库2、付艳红，我国政府在房地产市场调控中的角色研究，（2008）3、《2011年第四季度中国货币政策执行报告》，中国人民银行4、莱茵置业2011年年度报告5、刘旭，我国房地产业与区域经济发展研究6、莱茵置业:积极介入资源型行业，新浪财经7、老钱庄百宝箱8、2006年～2011年主要房地产宏观调控政策9、2006—2011年我国宏观调控大事记10、莱茵置业年度2011年度报告，巨潮资讯网。
资金投资英文作文
资金投资英文作文1. Investing in stocks can be a great way to grow your wealth over time. However, it's important to remember that there are risks involved. The stock market can be volatile, meaning that the value of your investments can fluctuate greatly. It's important to do your research and choose investments that align with your financial goals and risk tolerance.2. Another option for investing your money is in real estate. This can include purchasing rental properties or investing in real estate investment trusts (REITs). Real estate can provide a steady stream of income through rental payments, and can also appreciate in value over time. However, like with stocks, there are risks involved andit's important to do your due diligence before investing.3. Investing in mutual funds can be a good option for those who want a diversified portfolio without the hassle of choosing individual stocks or real estate properties.Mutual funds pool money from multiple investors to investin a variety of assets, such as stocks, bonds, and commodities. This can help spread out risk and potentially provide steady returns over time.4. For those who want to invest in something more tangible, commodities such as gold or oil can be a good option. These assets can provide a hedge against inflation and economic instability. However, it's important to remember that the value of commodities can also be volatile and subject to market fluctuations.5. Lastly, investing in yourself can be one of the best investments you can make. This can include furthering your education, learning new skills, or starting your own business. By investing in yourself, you can potentially increase your earning potential and create long-term financial stability.。
投资目的的英文作文
投资目的的英文作文英文：Investment purpose is a crucial factor to consider when deciding where to put your money. There are various reasons why people invest, and each individual has their own unique goals and objectives. In this essay, I will discuss some common investment purposes and provide examples toillustrate how they can be achieved.One common investment purpose is to generate income. This is often the goal of retirees or those who want to supplement their current income. For example, investing in dividend-paying stocks or bonds can provide a steady stream of income. Another example is investing in rental properties, which can generate rental income on a monthly basis.Another investment purpose is to grow wealth. This is often the goal of young professionals who have a longertime horizon and can afford to take more risks. For example, investing in growth stocks or mutual funds can provide the potential for higher returns over the long term. Another example is investing in real estate, where the property value can appreciate over time.A third investment purpose is to preserve wealth. Thisis often the goal of those who have accumulated asignificant amount of wealth and want to protect it from inflation or market volatility. For example, investing in low-risk assets such as government bonds or gold canprovide a hedge against inflation. Another example is investing in real estate investment trusts (REITs), which can provide stable returns with lower risk.中文：投资目的是决定在哪里投资的关键因素。
关于投资 英语作文
Investing is a crucial aspect of personal finance that allows individuals to grow their wealth over time.It involves committing money to various financial instruments with the expectation of earning a return on that investment.Here are some key points to consider when writing an essay about investing:1.Introduction to Investing:Begin your essay by defining what investing is and why it is important.Explain that investing is not just about making money but also about securing ones financial future.2.Types of Investments:Discuss the different types of investments available to individuals,such as stocks,bonds,mutual funds,real estate,and commodities.Each type of investment carries its own level of risk and potential return.3.Risk and Return:Explain the relationship between risk and return in investing. Generally,higher potential returns come with higher risks.Its important for investors to understand this balance and choose investments that align with their risk tolerance.4.Diversification:Emphasize the importance of diversification in an investment portfolio. Diversification helps to spread risk by investing in a variety of assets,reducing the impact of a poorperforming investment on the overall portfolio.5.LongTerm vs.ShortTerm Investing:Discuss the differences between longterm and shortterm investing strategies.Longterm investing typically involves buying and holding assets for an extended period,while shortterm investing focuses on quick trades to capitalize on market fluctuations.6.Investment Vehicles:Describe various investment vehicles such as retirement accountse.g.,401k,IRA,which offer tax advantages and are designed for longterm wealth accumulation.7.Market Timing and Emotional Investing:Address the pitfalls of trying to time the market and the dangers of making investment decisions based on emotions rather than rational analysis.8.The Role of Financial Advisors:Mention the role that financial advisors can play in helping individuals make informed investment decisions,especially for those who are new to investing or who have complex financial situations.9.Investment Strategies:Discuss various investment strategies such as value investing, growth investing,and index investing.Explain the principles behind each strategy and thetypes of investors they might appeal to.10.Ethical and Socially Responsible Investing ESG:Introduce the concept of ESG investing,where investors consider environmental,social,and governance factors alongside financial returns.11.Regulation and Protection:Touch on the role of financial regulation in protecting investors and maintaining the integrity of financial markets.12.Conclusion:Conclude your essay by summarizing the key points and emphasizing the importance of education and research in making sound investment decisions.Remember to use clear and concise language,provide examples where appropriate,and ensure that your essay flows logically from one point to the next.Investing is a complex topic,and your essay should reflect a wellrounded understanding of the subject.。
投资学入门的英语作文
投资学入门的英语作文Title: Introduction to Investment Science。
Investment is a fundamental aspect of modern financial management, encompassing the allocation of resources with the expectation of generating returns over time. Understanding the principles of investment science is crucial for individuals seeking to navigate the complexities of financial markets and achieve their financial goals. In this essay, we will explore the key concepts of investment science, including risk and return, diversification, portfolio management, and the role of financial instruments.First and foremost, it is essential to grasp the relationship between risk and return in investment. Generally, investments offering higher potential returns tend to carry higher levels of risk. This risk-return tradeoff is a fundamental concept that investors must consider when constructing their investment portfolios. Byunderstanding their risk tolerance and investment objectives, individuals can make informed decisions to balance risk and return in their investment strategies.Diversification is another cornerstone of investment science. Diversifying a portfolio involves spreading investments across different asset classes, industries, and geographic regions to reduce overall risk. This strategy aims to minimize the impact of adverse events that may affect any single investment or sector. By diversifying, investors can enhance the resilience of their portfolios and improve the likelihood of achieving consistent returns over time.Portfolio management plays a crucial role in optimizing investment outcomes. Effective portfolio management involves asset allocation, which determines thedistribution of investments across various asset classes such as stocks, bonds, and alternative investments. Asset allocation is based on factors such as investment goals, time horizon, and risk tolerance. Additionally, portfolio managers regularly monitor and rebalance portfolios toensure they remain aligned with investors' objectives and market conditions.Financial instruments serve as the building blocks of investment portfolios, offering a wide range of options for investors to achieve their financial goals. Commonfinancial instruments include stocks, bonds, mutual funds, exchange-traded funds (ETFs), options, and derivatives. Each type of financial instrument has its characteristics, advantages, and risks, providing investors with diverse opportunities to construct well-rounded portfolios suited to their preferences and objectives.Furthermore, understanding the principles of investment science requires awareness of key investment strategies and methodologies. These may include value investing, growth investing, momentum investing, and passive investing, among others. Each strategy has its unique approach to selecting investments and managing portfolios, catering to different investor preferences and market conditions.In conclusion, investment science encompasses a broadrange of principles and concepts essential for individuals seeking to navigate the complexities of financial markets. By understanding the fundamentals of risk and return, diversification, portfolio management, and financial instruments, investors can make informed decisions to achieve their financial objectives. Moreover, familiarity with investment strategies and methodologies empowers investors to adapt to changing market dynamics and pursue long-term wealth accumulation effectively.。
关于投资的话题英文作文
关于投资的话题英文作文Title: Navigating the Investment Landscape: A Freewheeling Journey。
1. Embrace the Unknown。
In the realm of finance, "Investment" is not a destination, but a constant journey into the unknown. It's about embracing the thrill of the unpredictable, not a tidy roadmap. Don't be fooled by the "follow the leader" syndrome; every investor is a unique explorer, charting their own path.2. Diversify Your Portfolio, Diversify Your Mindset。
Investing is not a one-size-fits-all game. Just as a well-hedged garden needs a mix of flowers, a portfolio should be a tapestry of stocks, bonds, and alternatives. Be open to the idea that your financial portfolio is a reflection of your personality it's not about conforming,it's about embracing variety.3. Learn to Read the Market's Tonalities。
投资风险 英文作文
投资风险英文作文Title: Understanding Investment Risks。
Investing is an essential aspect of financial planning for many individuals and organizations. While the potential for financial gain is enticing, it's crucial to acknowledge and manage the associated risks. In this essay, we'll explore various types of investment risks and strategiesfor mitigating them.1. Market Risk: Market risk, also known as systematic risk, refers to the possibility of investments losing value due to broad market factors such as economic downturns, political instability, or changes in interest rates. This risk affects all investments to some degree and cannot be diversified away completely. However, diversification across asset classes, industries, and geographical regions can help mitigate market risk by spreading investments across different areas that may respond differently to market changes.2. Interest Rate Risk: Interest rate risk arises from fluctuations in interest rates, particularly relevant for fixed-income investments such as bonds. When interest rates rise, bond prices typically fall, and vice versa. To manage interest rate risk, investors can consider diversifyingtheir bond holdings across different maturities orinvesting in bond funds with varying durations.3. Credit Risk: Credit risk, also known as default risk, is the possibility that a borrower will fail to repay aloan or debt obligation. This risk is prevalent incorporate bonds, municipal bonds, and loans to individualsor businesses. Conducting thorough credit analysis and investing in bonds with higher credit ratings can help mitigate credit risk. Additionally, diversifying bond holdings across issuers and industries can further reduce exposure to individual default events.4. Liquidity Risk: Liquidity risk refers to thedifficulty of buying or selling an investment without causing a significant impact on its price. Investments inassets with low trading volumes or limited market participants are particularly susceptible to liquidity risk. To mitigate this risk, investors should carefully consider the liquidity of an investment before purchasing it and avoid placing large portions of their portfolio in illiquid assets.5. Inflation Risk: Inflation risk, also known as purchasing power risk, is the possibility that the real value of an investment will decline due to rising inflation eroding the purchasing power of future cash flows. Investments with fixed returns, such as bonds and cash equivalents, are especially vulnerable to inflation risk.To hedge against inflation, investors can allocate aportion of their portfolio to inflation-protectedsecurities such as Treasury Inflation-Protected Securities (TIPS), real estate, and commodities.6. Currency Risk: Currency risk arises fromfluctuations in exchange rates, impacting the value of investments denominated in foreign currencies. When the investor's base currency strengthens against the foreigncurrency, returns may be reduced upon conversion. Hedging strategies such as using currency futures or options can help mitigate currency risk for international investments.7. Political and Regulatory Risk: Political instability, changes in government policies, and regulatory developments can significantly impact investment returns, especially in emerging markets or regulated industries. Conducting thorough research on the political and regulatory environment of a country or industry before investing can help mitigate political and regulatory risk. Additionally, diversifying across countries and sectors can reduce exposure to individual geopolitical events.In conclusion, understanding and managing investment risks are essential for building a resilient andsustainable investment portfolio. By diversifying across asset classes, conducting thorough research, and implementing risk mitigation strategies, investors can navigate the complexities of the financial markets more effectively and achieve their long-term financial goals.。
大学生投资的意义英语作文
大学生投资的意义英语作文The Significance of College Students' Investment。
Introduction:Investment is a crucial aspect of personal finance that allows individuals to grow their wealth over time. While investment is often associated with professionals and experienced investors, it is equally important for college students to understand and engage in investment activities. College is a pivotal time in a person's life, where they acquire knowledge, skills, and experiences that shape their future. Therefore, it is essential for college students to recognize the significance of investing and start building their financial foundation early on. This essay will explore the importance of investment for college students, focusing on the benefits it provides, the risks involved, and strategies to get started.Benefits of Investment for College Students:1. Financial Independence: Investing at a young age empowers college students to achieve financial independence earlier in life. By making wise investment decisions, students can generate passive income and reduce their reliance on traditional employment. This financial freedom allows them to pursue their passions, take risks, and explore various opportunities without being limited by financial constraints.2. Wealth Accumulation: College students who invest early have a significant advantage in accumulating wealth compared to those who delay their investment journey. The power of compound interest enables investments to grow exponentially over time. By starting early, even with small amounts, students can harness the benefits of compounding and witness their investments multiply significantly in the long run.3. Financial Education: Engaging in investmentactivities provides college students with valuablefinancial education. They learn about different investmentoptions, risk management, and market trends. This knowledge equips them with essential skills to make informedfinancial decisions throughout their lives. Additionally, investing exposes students to the dynamics of the economy, fostering a deeper understanding of how money works in the real world.4. Long-Term Goals: Investment serves as a means to achieve long-term goals. College students often have aspirations such as purchasing a home, starting a business, or traveling the world. By investing early, they can work towards these goals more effectively. Investments act as a vehicle for wealth creation, enabling students to accumulate the necessary funds to fulfill their dreams and aspirations.5. Risk Management: Investing at a young age allows college students to develop risk management skills. The investment journey is not without risks, and experiencing these risks early on helps students understand the importance of diversification and making informed investment decisions. Learning to manage risks and adapt tomarket fluctuations is a valuable skill that will benefit students throughout their lives.Risks Involved:1. Market Volatility: One of the significant risks in investment is market volatility. Financial markets can experience fluctuations due to various factors such as economic conditions, geopolitical events, or investor sentiment. College students must be aware of this risk and understand that investments can fluctuate in value. It is crucial to have a long-term perspective and not be swayed by short-term market movements.2. Lack of Experience: College students may lack the experience and knowledge required to make sound investment decisions. Without proper research and understanding, they may fall prey to scams or make poor investment choices. It is essential for students to educate themselves about investment fundamentals, seek guidance from experienced individuals, and start with low-risk investment options.3. Financial Constraints: College students often face financial constraints, with limited income and high expenses. This can make it challenging to allocate fundsfor investment purposes. However, even small amounts can make a significant difference when invested wisely.Students should focus on building a strong financial foundation by budgeting, saving, and gradually increasing their investment contributions.Strategies to Get Started:1. Set Clear Goals: Before diving into the world of investment, college students should set clear financial goals. These goals can be short-term, such as saving for a vacation, or long-term, such as retirement planning. Having defined goals helps students stay focused and motivated throughout their investment journey.2. Educate Yourself: Investing requires knowledge and understanding. College students should take advantage ofthe vast resources available, such as books, online courses, and financial blogs, to educate themselves about investmentstrategies, risk management, and different asset classes. Additionally, attending investment seminars or workshops can provide valuable insights from industry experts.3. Start with Low-Risk Investments: For beginners, itis advisable to start with low-risk investment options such as mutual funds, index funds, or exchange-traded funds (ETFs). These investment vehicles offer diversification and are managed by professionals, reducing the risk associated with individual stock picking. As students gain confidence and knowledge, they can gradually explore more complex investment options.4. Seek Guidance: College students should seek guidance from experienced investors or financial advisors. These individuals can provide personalized advice based on individual circumstances, risk tolerance, and financial goals. Seeking guidance helps students make informed decisions and avoid common investment pitfalls.5. Embrace Long-Term Investing: College students should adopt a long-term investing mindset. Short-term marketfluctuations are inevitable, but over the long run, the market tends to grow. By staying invested and not succumbing to short-term market noise, students can benefit from the power of compounding and achieve their financial goals.Conclusion:Investing is not limited to professionals or experienced individuals; it is equally significant for college students. By recognizing the importance of investment and starting early, college students can reap numerous benefits such as financial independence, wealth accumulation, and long-term goal achievement. While there are risks involved, proper education, risk management, and seeking guidance can mitigate these risks. Investing is a journey that requires patience, discipline, and continuous learning. Therefore, college students should embrace the significance of investment and take the first step towards building their financial future.。
投资的重要性英语作文
投资的重要性英语作文The Importance of Investment;Investment plays a crucial role in both individual and national economic growth. It refers to the allocation of resources, such as money, time, or effort, for the purpose of generating future benefits. Here are several reasons why investment is important:1. Economic Growth: Investment is a key driver of economic growth. When individuals or businesses invest in productive assets, such as machinery, technology, or infrastructure, it leadsto increased production capacity and efficiency. This, in turn, boosts overall economic output and creates job opportunities.2. Innovation and Technological Advancement: Investment often involves funding research and development activities, which drive innovation and technological advancement. By investing in new ideas, technologies, and processes, businesses can improve their productivity, competitiveness, and profitability. This leads to the development of new products and services, benefiting both the companies and consumers.3. Wealth Accumulation: Investment provides an opportunity for individuals to accumulate wealth over time. By investing their savings in various financial instruments, such as stocks, bonds, or real estate, individuals can potentially earn returns that exceed the rate of inflation. This allows them to preserve and grow their purchasing power, meet future financial goals, and createa more secure future.4. Retirement Planning: Investment is essential for retirement planning. By investing in retirement accounts, such as 401(k) plans or individual retirement accounts (IRAs), individuals can build a nest egg to support themselves during their retirement years. The power of compounding returns allows for long-term growth and ensures financial security in old age.5. Infrastructure Development: Investment in infrastructure, such as roads, bridges, airports, and utilities, is vital for economic development. It improves transportation and communication networks, reduces costs, attracts businesses, and enhances overall productivity. Infrastructure investment also stimulates employment and contributes to the well-being of communities.6. Capital Formation: Investment helps in the accumulation of capital, which is necessary for the expansion of businesses and the creation of new enterprises. By investing in startups or existing businesses, entrepreneurs can fuel growth, create jobs, and stimulate economic activity. This leads to increased income levels and improved standards of living.In conclusion, investment is of paramount importance for individual financial growth and national economic development. It drives innovation, promotes productivity, creates jobs, and fosters wealth accumulation. By recognizing the significance of investment and making informed decisions, individuals and societies can reap the rewards of a prosperous future.。
投资学英文论文
INVESTMENTSClass 7 Student number:Name:COTENTSChina's real estate management and development (3)China's real estate market of the specific trend (4)Trend of the stock situation——(Wangke) (4)Important date (5)short-term debt paying ability analysis (5)Profit (5)Last words (7)References (8)2006-2012 years Real estate situation change analysisReal estate is the leading industry of the national economy in China , in the modern social economic life plays a vital role. The growth mode of real estate is speed to pay attention to the scale of lay particular stress on benefit. Nowadays, applying the data of 2006-2012 years of China we can to analyze the change of real estate situation. 一、China's real estate management and developmentdata sources：<The China statistical yearbook>Form the two tables, we can analysis China's real estate form two hands.Macro analysis:Macro control of real estate properties and characteristics:Nowadays both consumer goods and real estate investment, in the national economy has an important position. Governments will be in different degree of the real estate market in macroeconomic regulation, intervene according to market the development degree of the different and different. In view of the current real estate market, because of the investments is too large and the real estate prices rise too fast, the government give some adjusting Policy to control China's real estate .(a).combination market regulation policy and administrative control (b) the central and local policy are synchronous coordinateMicroscopic analysis:In 2006, In order to alleviate warms up again real estate s , the government put more attention to turn to the housing structure .As is known to us, since 2006 to 2010, the completed investment by enterprise for estate makets can increasd year after year. And was sold more and more, From 61857.07 million yuan to rise 104764.65 million yuan. On the one hand, we can understand that the real estate investment accounts for total investment in fixde assets in the whole country by more than the previous yeas, hence, it increase can make more efferct to adcance that total investment in fixde assets in the whole country increased year by year . we can attention 2009, there is a inflation point, form 2009 to 2010, the residence increase more faster than other year. Why? There are a lot of international factors, on the one hand, after the 2008 financial crisis, the dollar is still in the ascending phase, the global economic crisis is still bogged down , the inflation has become a consensus global monetary liquidity release in 2009.On the other hand, Economic growth depend on real estate situation are stable and the real estate’s g rowth have a good affect on economic.二、China's real estate market of the specific trendPolicy: Central adhere regulation does not shake,reasonable requirement protected (a)First, the prices will return to rational gradually, If the relevant control policiestimely and effective, to resolve the current real estate bubble risk and promote its healthy development, It can be achieve transition smoothly; while if real estate according to current trends in advance, it is depend on.(b)Affordable housing will be strengthened. China will increase affordable housingconstruction as known to us year by year(c)Prices slowly return to reasonable price. Nowadays, current prices havereached a peak, year after year, with the economic development and Industrial adjustment, the price wil be reasonable. For instance we can see this year, the first quarter of 2012,to further consolidate control achievements , promote real estate reasonable regression , the central government has repeatedly stressed the insist on real estate regulation not be moved .三、Trend of the stock situation——(万科地产)05-22 on Tuesday the latest price:9.01 volume:4578(hand)turnover:412.45(ten thousand yuan) average:8.89Important datethis , China Vanke enterprise will adjust sales strategy , depreciate sales promotion efforts continue to widen,means more varied.Give land,China Vanke give land still cautions attitude,continue to take to spending less.Capital funding , only deposits and advance receipts a year-on-year decline , self-financing accounted continue to improve.science and technology power , real estate enterprise is no longer the whole industry chain a simple node, but have taken their key technology and core competitiveness, the enterprise of the industry layout to complete industry chain upstream and downstream direction expansionIt is known that the enterprise in 2009-2011, and all the indexes fell, such as account receivale turnover fell from 68.53 to 57.19. In general account receivale turnover isthe higher the better,.shows that the speed of our good, collecting average period short. Inventory turnover ratio, the higher means the number of that enterprise sales growth, sales ability is better. But we can see, poly real estate's inventory turnover declined, explain the sales declines. Total asset turnover also declined, although the size is not big, still explain enterprises measures should be taken to improve the utilization rate of the assets& remove unused redundant assetsAs a whole, real estate and the development of the national economy than the relationship was positively, so long as our country steady economic growth , government macro-control proper , housing price won't appear too big wave motion . The limited land resources is the real estate rising incentives , and chased period of the land price increases , drive the rise in real estate s situation . On the one hand , the developer in order to improve the grade of real estate, build brand, will lead to rising real estate s; the other hand, with the national economic development and the improvement of people's income, the demand for housing, more and more strong, but in the market as well as national policy under the control of growth of prices, thein 2009-2011, the enterprise return on sale and return on total assets is declined, because the company buying land in 2007, then in the 2009-2011 years have settlement, it was down the enterprise's profit margins, in addition, the 2010 focuses on the number billions of security room settlement project, making the company the sorting of decline gross profit. However, we can see that the enterprise ROE (%) and Earning per share increased. The main reason is: 2008 global financial crisis spread of China's real estate market has a great impact, profit margins line from 12.22% in 2007 to 11.9% in. Yield per share of common stock of reflect the profit level, from the table we can see that, Wangke group earnings yields present a trend of increased year by year, and the growth rate is bigger, visible evergrande stock profitability is stronger, but, this kind of situation is may be the factors such as real estate investmentoverheating in earnings per share is growing rapidly, so in the choice of investments or should be prudent.Sales net interest rates is to measure enterprise in the period of the gain of sales income ability. From the above we can see, Wangke group sales net interest rate is higher, although slightly every year a bit down, but not very significant, it can see is due to increased sales income and net profit less of the causes. This is part of the reason is probably because real estate investment overheating but the government for real estate control increase, although sales income to high, but one of the reasons for the low net profit.The net assets of the company is interest rate indicator is used by all the assets profit level, the index is higher, shows that the input and output level is high, the more effective assets operation, management level is higher. From the above we can read Wangke group assets is higher and the net interest rate has been increasing year after year trend, explain Wangke group in assets on the use efficiency is higher, and increase in income and save money also it achieved good effect.四. Last wordsReal estate is a third financial, a third are policy,a third are real estate properties, Poly real estate founded nearly 20 years, although now the entire macroscopic economy environment, the development of the real estate industry is still hard, but the poly real estate industry still holds a pivotal position in China real estate.References[1] NI Peng-fei, china real estate under the influence the financial crisis:maket analysis and prediction of china real estate,2008-2009.[J] modern urban research 2009 [2] Li shu cheng,Zeng hua long.LI lin.Astudy on effect of house price on the monetary policy Transmission [J] The theory and practice of finance and economics 2008[3] .The fourth quarter of 2010, the real estate industry （2011,February）[4] Li jing，Ma jinbo (2010,July) ,Chinese real estate market macro-control policies，Enterprise Guide[5] Huang ping,Wu chunyi. (2011,September) , China's real estate industry development status and trend analysis, New construction: modern property on Xunkan[6] Pan gaojie,(2011 ,February) , Analysis of the Chinese real estate development course, Time Finance[7] ，Oriental wealth network[8] Li qingsong，(2010 ,February), The real estate industry in the next ten years the development trend,Henan building materials[9] /view/41067f26a5e9856a5612603f.html，Galaxy Securities Research report[10] Gong Yuan Yuan .Zheng WenBo ,Yang YueAnalysis of the Real Estate Fluctuation Theory [J] Journal of ShenYuan Jianzhu University;social Science 2011。
投资热点话题英文作文
投资热点话题英文作文Title: Exploring Investment Hotspots: Trends and Opportunities。
In the dynamic landscape of global investment,identifying and capitalizing on emerging hotspots is essential for maximizing returns and diversifyingportfolios. These hotspots represent areas of rapid growth, innovation, and potential for significant returns on investment. In this essay, we will delve into some of the current investment hotspots, analyzing the trends and opportunities they present.1. Technology and Innovation:One of the perennial hotspots for investment is the technology sector. With the relentless pace oftechnological advancement, opportunities abound forinvestors looking to capitalize on innovation. Areas suchas artificial intelligence, machine learning, cybersecurity,and biotechnology continue to attract significant investment due to their potential to disrupt traditional industries and create new markets.2. Renewable Energy:As the world grapples with climate change and the transition to a sustainable future, renewable energy has emerged as a lucrative investment hotspot. Solar, wind, and hydroelectric power are witnessing exponential growth as governments and corporations increasingly prioritize clean energy solutions. Investors are flocking to renewable energy projects not only for their potential financial returns but also for their positive environmental impact.3. E-commerce and Digital Payments:The rise of e-commerce platforms and digital payment systems has transformed the way we shop and conduct financial transactions. With the proliferation of smartphones and internet connectivity, online retail has experienced unprecedented growth, especially in emergingmarkets. Investments in e-commerce companies and fintech startups are poised to reap substantial rewards as consumer behavior continues to shift towards digital platforms.4. Healthcare and Biotechnology:The healthcare sector, particularly biotechnology, offers compelling investment opportunities driven by demographic trends and medical advancements. Aging populations, coupled with increasing healthcare spending, create a favorable environment for investments in pharmaceuticals, medical devices, and biotech research. Breakthroughs in areas such as gene therapy, immunotherapy, and personalized medicine hold the promise of significant returns for savvy investors.5. Sustainable Infrastructure:Infrastructure development is another investment hotspot, fueled by urbanization, population growth, and the need for sustainable solutions. Investments in transportation, water management, and smart cities offerattractive returns while addressing pressing societal needs. Sustainable infrastructure projects not only generate financial returns but also contribute to environmental conservation and social development.6. Emerging Markets:Despite occasional volatility, emerging marketscontinue to attract investors seeking high-growth opportunities. Countries such as China, India, Brazil, and Nigeria boast rapidly expanding economies, burgeoningmiddle classes, and increasing consumer spending. Investments in emerging markets span various sectors, including technology, consumer goods, financial services, and infrastructure, offering diversification and potential for above-average returns.Conclusion:In conclusion, identifying and investing in hotspots is crucial for maximizing investment returns and staying ahead of market trends. The aforementioned sectors represent justa snapshot of the diverse opportunities available to investors in today's global economy. However, it'sessential to conduct thorough research, assess risk factors, and diversify portfolios to mitigate potential downsides.By staying informed and adaptable, investors can navigate the ever-changing landscape of investment hotspots and capitalize on emerging trends for long-term financial success.。
拉投资 英文作文
拉投资英文作文1. Investing is a great way to grow your wealth and secure your financial future. It allows you to put your money to work and potentially earn a higher return than traditional savings accounts or fixed deposits.2. When it comes to investing, there are various options available. You can choose to invest in stocks, bonds, mutual funds, real estate, or even start your own business. Each investment option has its own risks and rewards, so it's important to do thorough research and understand the market before making any decisions.3. One key aspect of investing is diversification. It's important to spread your investments across different asset classes to minimize risk. By diversifying your portfolio, you can potentially offset losses in one investment with gains in another. This can help protect your overall investment and reduce the impact of market volatility.4. Another important factor to consider is your investment timeframe. Are you investing for the short term or the long term? Short-term investments are typically more volatile and carry higher risks, while long-term investments have the potential for higher returns but require patience and a longer time horizon.5. It's also crucial to keep an eye on market trends and stay informed about current events that may impact your investments. Economic indicators, political developments, and industry news can all influence the performance of your investments. Staying informed allows you to make informed decisions and adjust your investment strategy accordingly.6. Lastly, it's important to have realistic expectations when it comes to investing. While it's possible to earn significant returns, it's also important to be prepared for potential losses. Investing involves risk, and it's important to be mentally and financially prepared for any outcomes.In conclusion, investing is a dynamic and ever-changingfield that offers opportunities for growth and financial security. By diversifying your portfolio, understanding market trends, and having realistic expectations, you can make informed investment decisions and work towards achieving your financial goals.。
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INVESTMENTSClass 5 Student number:Name:2006-2012 years Real estate situation change analysisSince ending of the 20th century，with China’s rapid economic development and deepening the housing system reforms.the real estate industy was become the leading industry of the China economics development,and the fluctuation of real estate maket have important impact on the macroeconomy.but a kinds of problems appear withs the prospering of the markerts.History implies that overly fluctuation of real estate maket can hurt the base of finacial system and economy.Therefor,apply the data of 2006-2012 years of china,we can to analyze the change of real estate situation1.Investment actually completed by enterprise for real estate maket analysis. Investment by enterprise for resl estate maket is a significant factor of causeing the fluctuation of real estate maket.this data can clearly show that whether the real estate maket have better development.now,we can follow this data to understand that change of the maket investment situation.As illustrated in table 1.1,since 2006 to 2010, fristy,the completed investment by enterprise for estate maket can increasd year by year.from 194229.90100 million yuan to rise 48259.40 million yuan.It’s me ans the scale of China real estate maket can expanded at this years. Secondly, we can understand that the real estate investment accounts for total investment in fixde assets in the whole country by more than 15%.hence, it increase can make more efferct to adcance that total investment in fixde assets in the whole country increased year by year . Thirdly, the share of GDP going to the real estate investment rise from8.98% to 12.03% .this show that the real estate investment growth can obviously promote GDP growth. therefor, at some leve, the real estate market increased investment can encourage the utilization rate of assets of the whole society, and promote the growth of the national economy. From this table1 ,we can see that, in China's economic growth environment, though appear a kinds of problems, but the real estate market overall investment also have a rising trend,and the dominant position of the growth of national economy .2.an analysis of Sale of Commercialized BuildingsThe condition of sale of commercialized buildings can response the demand of China real estate maket.,so we can analyse a lot of data in order to undetstand what the change of the demand for our country.As illustrated in table 2.1,since 2006 to 2007,the floor space of commercialized builings sold can increasd. Therefore, the total sales also hace riseing trend. But, since 2007 to 2008 ,the floor space of house and sales appear the obviously negative growth, the main reason is America's subprime crisis in 2008 . it made the global economic growth to slow down,consumer demand also dropped,inflation, people's pessimistic expectations and so on .this can weaken the people's actual purchasing power, bring about people’s demand of house decline . meanwhile the number of real esta te enterprises from 2007 in 62518 added to 87562 in 2008, cause the real estate market has more supply than demand.However, form the table2, in 2009, the real estate market rise sharply, the total area of 65969.83 from sales sp.m rose to 94755 sp.m. because national economic stimulus policies and the loose monetary policy, the real estate market in China that market warms up in the state, but in the second half of 2009, real estate development shown of overheating.Because the data collection is not enough, so we can't get the 2011-2012 years of relevant data, it’s know, from the end of 2009 to now, the government adopted a series of control real estate prices of macroeconomic regulation,.such as, housing loan provisions shall not be lower than 30% down, down to purchase second homes shall not be lower than 50%. In 2011, the state council of the standing committee launched article 8 real estate market regulation measures "kingdom of article 8" and so on aspects of the development of real estate market, the real estate market development to prevent overheating.3.the relationship between the real-estate maket investment fluctuation and economic growthWe can through the analysis betwee real estate investment growth rates and GDP growth of the relationship, understand the relationship between China's real estate market investment fluctuation of the economic growth.By the line, we can clearly see that real estate development investment growth speed and GDP growth rate is almost the same, 06-07 rise, reached the highest in2007, and then from began 2008 to continue to fall, until 2009 then pick up. We can see that real estate is an important part of the macroeconomy, the chart, between real estate investment growth rate and GDP indexes has a close relation and interaction. Thus, the real estate market investment fluctuations is a is the important factor economic growth4. Investment in real estate development relationship with CPI &PPIThe above, it is known that the growth of investment in real estate development, leading to a sharp increase of fixed assets, making the GDP growth. In that case, would cause inflation or deflation? We will through the analysis of real estate development investment growthrate and CPI.&PPT. find and understand the relationship .Table 4.1Data sources: People's Republic of China national bureau of statistics nets(2011)In a market economy country, it is generally thought that CPI growth at 2%-3% belong to acceptable range,Acoording to the table, it is known that the real estate market development investment growth rate and the CPI, PPT change trend is similar. Thus we can see, when the real estate market development investment too quickly, CPI. PPI index of also produce positive growth, and to a larger extent, it shows that this will appear inflation, when the real estate market development investment is nationwitha shrinking, CPI, PPI index also shown negative growth, so will appear deflation. For this reason ,the real estate market greatly investment can cause serious inflation, so how to reasonable planning investment real estate market is particularly important.SummaryIn conclusion, since 2006 to 2012, At China real estate industry. we can divided the real estate industry development process into three stages.The first stage, 2006-2007, these two years, the real estate industry in the rapid development stage, Actually, from 2003 to 2007, China's real estate is in boom period,the market system gradually was perfect, supply and demand of real estate is balance, real estate prices are relatively stable.But in September of 2007, the people's bank of China issued the "on strengthening the management of commercial real estate mortgage credit call". (the notice set that , "the second day" housing loan scale down 40% and the lending rate shall not be lower than the same period shall not be lower than the benchmark interest rate of 1.1 times), policy severely limits the market speculation, making housing demand has dropped sharply, and enterprise profit drop, increase the pressur of the real estate enterprise loan . at the same time, the U.S break out subprime crisis in 2008.then China's real estate market is also be a shock.the second stage. In 2008-2009. The data shows, at this time, China's real estate market is in a recession stage, the housing price and volume nationwitha shrinking, slowing the speed of development.In such a situation, the country has issued a series of policies to deal with this stage is problem, in 2008, for example, the people's bank of China cut interest rates three times a year, at the same time also cut individual housing accumulation fund loan interest rate ,measures to stimulate demand.The third stage, from 2009 to 2012, through a series of stimulating real estate development measures, began in 2009, the real estate industry development gradually improved.just because the good policies, makes the real estate market excessive growth. so countries publish control measures to make slow the rate of growth of real estate prices, trying to make the real estate industry development speed adapt to the economic development of our country.Poly Real Estate Group GO.,LtdPoly real estate (group) Co., LTD,established in 1992, this corporation is first on the list of comprehensive strength by state-owned real estate enterprise In July 2006, the company shares listed on Shanghai stock exchange, .since 2009, the company's brand value of 9.023 billion yuan, for China's real estate "growing pilot brand".The company's main business is real estate development, sales and lease and property managementFinancial analysis1.Solvency deteminationShort-term liquiduity rationCurrent ratio=current asstes/current liabilitesQuick ratio=(cash+maket securities+receivables)/current liabilitiesData sources: Poly Real Estate Group GO.,Ltd annual report(2009-2011)Current ratio shows how much current asset can support every dollar Current liabilities. Experts think that this ratio in 2 or so is the most ideal stage . According to table1.1, we can see the current ratio in enterprise keep 2 floating around, and more and more closer to 2. Explain that the company pay expire the ability of short-term debt is still a stable, and without the current liabilities at increased, and cause large fluctuations.Qucik ratio, high ratio does not necessarily, the higher not the better, if the ratio in 1:1 around, the experience can be thought debt paying ability is good. Table1.1 shows the enterprise hydraulic rate below 1, and have fallen, this is because the current liabilities deposit and a current liabilities expires in the rapid increase, the impact of the enterprise of short-term debt paying ability. This shows, short-term debt paying ability is stable, but still have need to improve.;Long-term solvency ratioTotal debet to total assets= total liabilities/total assetsData sources: Poly Real Estate Group GO.,Ltd annual report(2009-2011)The total debet to tatol assets ratio is measured enterprise debt levels and the risk degree of important symbol. Generally think debt ratio should maintain at 50%. by table1.2. The company to asset ratio is rising, and an average of more than 70%, it shows that the enterprise long-term solvency slowed down, the company debt greaterpressure. This is mainly because enterprise in the last few years of buy land will settlement in 2009-2011, so enterprises need to borrow debt to support settlement.2 Operational capability2.1 Account receivable turnover=prime operating revenue/average net receviables 2.2 Inventory turnover =cost of good sold/average inventory at cost2.3 Total asset turnover=net sale/average total assetsAs illustrated in table2.it is known that the enterprise in 2009-2011, and all the indexes fell, such as account receivale turnover fell from 68.53 to 57.19. In general account receivale turnover isthe higher the better,.shows that the speed of our good, collecting average period short. Inventory turnover ratio, the higher means the number of that enterprise sales growth, sales ability is better. But we can see, poly real estate's inventory turnover declined, explain the sales declines. Total asset turnover also declined, although the size is not big, still explain enterprises measures should be taken to improve the utilization rate of the assets& remove unused redundant assets 3. profitabilit capability3.1 return on sale= net incone/Sales3.2 ROE = net income/Average stock-holder’s equity3.3 return on total asstes= net income/average total assets3.4 Earning per share= net income less dividends on preferred stock/AverageCome shares outstandingBy table3 shows, in 2009-2011, the enterprise return on sale and return on total assets is declined, because the company buying land in 2007, then in the 2009-2011 years have settlement, it was down the enterprise's profit margins, in addition, the 2010 focuses on the number billions of security room settlement project, making the company the sorting of decline gross profit. However, we can see that the enterprise ROE (%) and Earning per share increased. The main reason is: 2008 global financial crisis spread of China's real estate market has a great impact, profit margins line from 12.22% in 2007 to 11.9% in. however,From 2009 , the influence of the crisisweakened gradually, the industry get worse. Make poly real estate business gradually robust, and always keep/high profitability.Through the financial analysis, combining with the financial data of enterprise. We can understand the 2009-2011 years, from the whole industry, poly real estate debt paying ability is good, profitability is very good, total assets, the influence of the state macro-control, the profit space is very big still. For its operation ability for, in relevant industry belongs to the medium level, still need to strengthen enterprise asset utilization. Poly real estate founded nearly 20 years, although now the entire macroscopic economy environment, the development of the real estate industry is still hard, but the poly real estate industry still holds a pivotal position in China real estate.The endThank youReferences[1]NI Peng-fei, china real estate under the influence the financial crisis:maket analysis and prediction of china real estate,2008-2009.[J] modern urban research 2009[2]Nie MeiSheng, China’s real estate market and regulation policy.[J] modern city2011[3] Theory and Practice of Ni ice, housing prices are regulatory thinking [J]. 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