网上有段子：说北京有个白领买车摇不到号，于是到出租车公司，每个月交4700份子钱，提了一辆新车，每天上下班固定拉几个活儿，每天上下班固定拉三五个活儿，一天大概挣120元，“他说这比租车强多了，还不限行。”
there are scripts online: said beijing has a white car not shake, and then to the taxi company to pay 4700 money each month, provided a new car to work every day to pull a few fixed work, commuting fixed pull 35 jobs, earn 120 yuan a day, "he said this car is strong many, also is not limited to the line."
段子归段子，实际上网友指出根据出租车公司的限制，这个方法实际上可行性不高。但是这个段子却提出了一个很实际的问题，我们到底要不要买车？
the paragraph returns to the paragraph, in fact, the net friend points out that according to the restriction of the taxi company, this method is actually not high. but this paragraph has put forward a very practical question. do we want to buy a car?
生活在大城市里没有车的确很不方便，周末出去玩，需要找人借个车，或者上下班不想坐地铁，有个车还是方便很多的。但是在中国的一线城市，车变的越来越麻烦。一个停车位一年就得一千多块。除了这个之外，车船税，保养，车险都是需要钱的地方。更不用说上海的拍卖，北京的摇号。
it&＃39;s not very convenient to live in a big city without a car. when you go out to play at weekends, you need to borrow a car, or you don&＃39;t want to take the subway to and from work. it&＃39;s much more convenient to have a car. but in china&＃39;s first tier cities, cars are becoming more and more troublesome. a parking space will get more than 1000 pieces a year. in addition to this, car tax, maintenance, car insurance are all places for money. not to mention the auction of shanghai, the shaking number of beijing.
网上随便搜搜就会发现，养车其实不便宜，随便买辆车，一年用车成本就在两万元以上，一辆车如果20万的话，用15年报废，一年的折旧还要一万多。
search online will find that car maintenance is not cheap. buying a car at random will cost more than twenty thousand yuan a year. if a car is 200 thousand, it will be scrapped for 15 years, and the depreciation will be more than 10000 a year.
如果租车会不会好一些？实际上在北京等大城市长期租车业务还是相当火的。但是租车业务***多的还是企业，除了企业车辆容易管理不善之外，企业租车的另一个原因是，随着汽车的老化，其折旧会让资产价格逐步下降。而很多公司的车辆使用频次其实并不高。
if the car rental will be better? in fact, the long term car rental business in beijing and other big cities is still quite fire. but the largest number of car rental businesses are enterprises. in addition to the poor management of business vehicles, another reason for renting businesses is that the depreciation of assets will gradually reduce asset prices with the aging of cars. the frequency of vehicle use in many companies is not very high.
在公司理财的层面，有一个基本原则，就是如果资产的价格正在不断下降，那么此类资产就尽量租用而不要购买。而如果资产价格不断上涨，则可以扩大负债规模来购买此类资产，从而保证公司的资产总额是在不断上升。
there is a basic principle in the aspect of corporate finance, that is, if the price of assets is decreasing, such assets will be rented without buying. and if the price of assets is rising, it can expand the scale of debt to buy such assets, thus ensuring that the total assets of the company are increasing.
其实这对个人理财来说很有借鉴意义。当你资金不是很宽裕，或者摇不到号，但是又有用车的需要的时候，租车公司是一个很好的选择。和普通租车一天几百元的价格不同，长租汽车很便宜，正常的家用轿车每月大概只要3000-5000元。
in fact, this is very useful for personal finance. the car rental company is a good choice when you don&＃39;t have a lot of money, or you can&＃39;t get a sign, but when you need a car. the price of a car is quite different from a few hundred yuan a day for a common car. the long car is cheap, and the normal household car is about 3000-5000 yuan a month.
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