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1、Unit2（1994）Passage1TheAmericaneconomicsystemisorganizedaroundabasicallyprivate-enterprise,market-orientedeconomyinwhichconsumerslargelydeterminewhatshallbeproducedbyspendingtheirmoneyinthemarketplaceforthosegoodsandservicesthattheywantmost.Privatebusinessmen.striv
2、ingtomakeprofits,producethesegoodsandservicesincompetitionwithotherbusinessmen;andtheprofitmotive,operatingundercompetitivepressures,largelydetermineshowthesegoodsandservicesareproduced.Thus,intheAmericaneconomicsystemitisthedemandofindividualconsumers,coupledwith
3、thedesireofbusinessmentomaximizeprofitsandthedesireofindividualstomaximizetheirincomes,thattogetherdeterminewhatshallbeproducedandhowresourcesareusedtoproduceit.Animportantfactorinamarket-orientedeconomyisthemechanismbywhichconsumerdemandscanbeexpressedandresponde
4、dtobyproducers.IntheAmericaneconomy,thismechanismisprovidedbyapricesystem,aprocessinwhichpricesriseandfallinresponsetorelativedemandsofconsumersandsuppliesofferedbysellerproducers.Iftheproductisinshortsupplyrelativetothedemand,thepricewillbebidupandsomeconsumerswi
5、llbeeliminatedfromthemarket.If,ontheotherhand,producingmoreofacommodityresultsinreducingitscost,thiswilltendtoincreasethesupplyofferedbyseller-producers.whichinturnwilllowerthepriceandpermitmoreconsumerstobuytheproduct.Thus,priceistheregulatingmechanismintheAmeric
6、aneconomicsystem.Theimportantfactorinaprivate-enterpriseeconomyisthatindividualsareallowedtoownproductiveresources(privateproperty),andtheyarepermittedtohirelabor,gaincontrolovernaturalresources,andproducegoodsandservicesforsaleataprofit.IntheAmericaneconomy,theco
7、nceptofprivatepropertyembracesnotonlytheownershipofproductiveresourcesbutalsocertainrights,includingtherighttodeterminethepriceofaproductortomakeafreecontractwithanotherprivateindividual.Passage2OnehundredandthirteenmillionAmericanshaveatleastonebank-issuedcreditc
8、ard.Theytheirownersautomaticcreditinstores,restaurants,andhotels,athome,acrossthecountry,andevenabroad,andtheymakemanybankingservicesavailableaswell.Mor
