我们一般把资本分为三类:第一类是物质资本(包括土地等自然资源类资本),它主要指像机器设备、工厂、住宅和写字楼等建筑以及土地等资源。它们显然都是能够创造新产品、新价值的物品。第二类是金融资本,这也是我们大多数人看到“资本”这个词时所想到的通俗含义——钱,具体而言是指能够生钱的钱。第三类是人力资本,指体现在 We generally divide capital into three categories: The first category is material capital (including natural resource such as land), which mainly refers to resources such as construction machinery, factories, residential and office buildings and land. They are clearly items that create new products and new values. The second category is financial capital, which is also what we most people think of as the “capital” of the popular meaning - money, specifically money that can make money. The third category is human capital, which means reflected in