2023-03-20 16:07:13來源：魔方格
【資料圖】
如今許多人都會投資理財產品，不過任何的理財產品都是有相應的風險的，那么你知道理財產品用英語怎么說嗎?下面來學習一下關于理財產品的英語知識吧。
financing product
financial products
銀行理財產品 Financial Product ; bank financial products
人民幣理財產品 RMB finances products
基金理財產品 Financial Products
券商集合理財產品 collection asset management plan
貸款類理財產品 financial products of loans
外幣理財產品 Foreign currency financing products
個人理財產品 individual financing products
1. Prudent financial management products to the attention of only bonds, the market.
穩健理財產品的注意力只能轉向債券 、 票據市場.
2. How to choose their own foreign exchange management products?
如何選擇適合自己的外匯理財產品 呢 ?
3. Conceptions of financing products are coming together with arrival of Olympic Games.
隨著奧運的臨近,主打奧運概念的理財產品概念也接踵而至.
4. Financial products and a seesaw deposits, the banks do trade - offs.
理財產品和存款就像是蹺蹺板, 銀行要做權衡.
5. Another type is the banking and corporate finance short - term joint product launch.
另一種類型,就是銀行和企業聯合推出的 短期 理財產品.
6. The Construction Bank launched a financial product popular tea Trust investors.
而建行推出的一款普洱茶信托理財產品頗受投資者關注.
7. Is it new category of application management products to be warmer?
難道新股申購類理財產品要回暖?
8. Various banks have distributed 52 of credit property managing finances product.
各銀行發行了52款信貸資產理財產品.
9. This goes without saying that any financial products are risky.
這個不用多說,任何理財產品都是有風險的.
10. Collection of financial products from the broker configuration, the blue - chip is the first selection.
從券商集合理財產品配置來看, 藍籌股是第一優選.
11. Bank financial products is expected to yield only an estimate, not the final rate of return.
銀行理財產品的預期收益率只是一個估計值, 不是最終收益率.
12. This paper presents a discussion on the pricing problem for a DE LI BAO - related financial product.
討論了一種與得利寶有關的理財產品的定價問題,對其建立了數學模型.
13. Bond investments are bonds, bond - type financial products and three types of bond funds.
債券投資方式主要有國債 、 債券類理財產品和債券基金三種.
14. In recent months, the bank structured financial products in circulation has been decreasing month by month.
近幾個月以來, 銀行結構性理財產品的發行量一直呈逐月遞減的趨勢.
15. Sound financial management products banks is still an indispensable asset allocation investors species.
穩健型銀行理財產品依然是投資者資產配置不可或缺的品種.
余額寶到底是不是個"寶"
Over the past nine months, Lian Lingling, 20, has acquired a new daily routine – checking her Yu’ebao account. The online financial product not only helps her and other students to save money, it also cultivates in them a sense of financing and investment. But scholars warn that online financing has its risks and students need to have a more comprehensive understanding of financial products.
在過去的九個月里，20歲的連玲玲(音譯)養成了每天查看余額寶余額的習慣。余額寶這款網絡理財產品不僅幫助她和周圍同學存錢，還培養了他們的金融投資意識。但專家學者提醒，互聯網金融有風險，學生群體需要對這些金融產品全面了解。
Spare investment
課余投資
Lian Lingling, a computer information management major at Shanghai Normal University, was among the first users of Yu’ebao. The financial product provided by Alibaba Group allows users to directly invest in the private Tianhong funding company using spare cash from Alipay accounts. As Lian uses Alipay frequently, it’s convenient for her to invest. “With the cell phone app, I can make real-time transfers between the two accounts,” she said.
就讀于上海師范大學計算機信息管理專業的連玲玲是余額寶的首批用戶之一。余額寶是由阿里巴巴集團推出的金融業務，用戶可以將支付寶賬戶中的閑置資金直接投資到天弘基金。由于連玲玲常常使用支付寶，所以她可以輕松投資。她說：“通過手機應用，我可以在兩個賬戶間實時轉賬。”
Yu’ebao offers a seven-day annualized yield of 5 to 7 percent. “Though it’s decreasing, it’s still higher than the interest rate provided by banks,” Lian said. “Besides, I can see money coming in every day.”
余額寶七天的年化收益率是5%到7%。“盡管該收益率正在下降，但還是高于銀行利率，”連玲玲說。“另外，每天我都可以看到賬戶中新增的收益。”
Good match
學生理財好搭檔
Similar to Lian, many other college students are also interested in or enjoy such easy ways of financing. According to a recent Renren.com survey, 70 percent of respondents showed interest in online financing products, with most having a preference for Yu’ebao.
和連玲玲一樣，很多大學生也對這種網絡理財方式頗感興趣，有些人甚至還樂在其中。根據人人網的一項最新調查顯示，70%的參與者表示對互聯網理財產品感興趣，其中大多數人偏愛使用余額寶。
“This trend fits their behavior,” says Suo Lingyan, an associate professor at Peking University’s School of Economics. She says college students rely heavily on the Internet, “therefore they can easily accept online financing products”. Moreover, Yu’ebao caters to students’ needs. “Their investment is small and they require a high degree of liquidity,” she said.
北京大學經濟學院副教授索玲燕(音譯)說：“這種趨勢正好符合學生們的習慣。”她說，大學生十分依賴網絡，“因此他們更易接受互聯網金融產品”。此外，她還表示，余額寶能夠滿足學生們“投資少、資金流動性高”的需求。
Now, Lian is quite addicted to Yu’ebao, and it is having a good affect on her. Since she started putting money in her Alipay account, she has cut down on shopping expenses and is investing more money in Yu’ebao.
如今，連玲玲十分迷戀余額寶，而這也確實為她帶來了一些益處。自從她把錢放在支付寶中后，她便減少了購物支出，而是把更多錢投到余額寶上。
Not risk-free
非零風險
But Suo warns that students should be cautious about online financial products. “In essence, investing in Yu’ebao equals investing in a monetary fund. Though Yu’ebao lowers investment barriers and costs, the risk levels are the same,” she says.
索玲燕副教授提醒學生們對待網絡理財產品要謹慎。“事實上，投資余額寶相當于投資貨幣基金。盡管余額寶降低了投資的門檻和成本，但兩者的風險程度相當。”
Li Daokui, a professor of economics at Tsinghua University, pointed out that the biggest risk of Yu’ebao may be the lack of information transparency. “High-risk credit products are the supporting asset of Yu’ebao. These risks are not revealed to individual investors,” he said during an interview on CCTV. “This may result in a squeeze of investment if some investors lose confidence in Yu’ebao,” he added.
清華大學經濟學教授李稻葵也指出，余額寶最大的風險在于缺乏信息透明度。“余額寶的背后實際上是高風險信用產品，而這些風險并未披露給個體購買者，” 李稻葵在接受中央電視臺采訪時表示，“如果一些投資者對余額寶失去信心，就可能導致資金縮水。”
The solution for student investors, Suo believes, is to gain more financial knowledge and understand how financial services operate. “Grasping some basic financing principles can help students in avoiding or mitigating some risks and make wise investment choices,” she said.
索玲燕認為，對于學生投資者而言，解決問題的辦法是獲取更多金融知識，弄清金融服務是如何操作的。“掌握一些金融理財的基本原則可以幫助學生在投資時做出明智之選，從而規避或降低風險。”她說。
