大部分实物资产是有形的资产，例如机器、厂房和办公室；其他的则是无形资产，例如专业技术知识、商标以及专利。

Many of these assets are tangible, suchas machinery, factories, and offices; others are intangible, such as technicalexpertise, trademarks, and patents.

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为了在国际市场上有效地竞争，一个国家的企业必须维持对无形资产和有形资产的投资。

To compete effectively in international markets, a nation's businesses must sustain investment in intangible as well as physical assets.

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这其中确有道理，贷款是以某种一旦借款方违约，仍将保留部分价值的有形资产作为担保，不过它也可能导致过度放贷。

That makes sense—the loan is secured by a tangible asset that will retain some value if the borrower defaults—but it can also lead to overlending.

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A portfolio is the collection of assets that you have financial assets, tangible assets.

一个投资组合就是你拥有的资产的集合,例如金融资产，有形资产。

耶鲁公开课 - 金融市场课程节选