【資料圖】

　　如今許多人都會(huì)投資理財(cái)產(chǎn)品，不過(guò)任何的理財(cái)產(chǎn)品都是有相應(yīng)的風(fēng)險(xiǎn)的，那么你知道理財(cái)產(chǎn)品用英語(yǔ)怎么說(shuō)嗎?下面來(lái)學(xué)習(xí)一下關(guān)于理財(cái)產(chǎn)品的英語(yǔ)知識(shí)吧。

　　理財(cái)產(chǎn)品的英語(yǔ)說(shuō)法

　　financing product

　　financial products

　　理財(cái)產(chǎn)品的相關(guān)短語(yǔ)

　　銀行理財(cái)產(chǎn)品 Financial Product ; bank financial products

　　人民幣理財(cái)產(chǎn)品 RMB finances products

　　基金理財(cái)產(chǎn)品 Financial Products

　　券商集合理財(cái)產(chǎn)品 collection asset management plan

　　貸款類理財(cái)產(chǎn)品 financial products of loans

　　外幣理財(cái)產(chǎn)品 Foreign currency financing products

　　個(gè)人理財(cái)產(chǎn)品 individual financing products

　　理財(cái)產(chǎn)品的英語(yǔ)例句

　　1. Prudent financial management products to the attention of only bonds, the market.

　　穩(wěn)健理財(cái)產(chǎn)品的注意力只能轉(zhuǎn)向債券 、 票據(jù)市場(chǎng).

　　2. How to choose their own foreign exchange management products?

　　如何選擇適合自己的外匯理財(cái)產(chǎn)品 呢 ?

　　3. Conceptions of financing products are coming together with arrival of Olympic Games.

　　隨著奧運(yùn)的臨近,主打奧運(yùn)概念的理財(cái)產(chǎn)品概念也接踵而至.

　　4. Financial products and a seesaw deposits, the banks do trade - offs.

　　理財(cái)產(chǎn)品和存款就像是蹺蹺板, 銀行要做權(quán)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(yè)聯(lián)合推出的 短期 理財(cái)產(chǎn)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(cái)產(chǎn)品頗受投資者關(guān)注.

　　7. Is it new category of application management products to be warmer?

　　難道新股申購(gòu)類理財(cái)產(chǎn)品要回暖?

　　8. Various banks have distributed 52 of credit property managing finances product.

　　各銀行發(fā)行了52款信貸資產(chǎn)理財(cái)產(chǎn)品.

　　9. This goes without saying that any financial products are risky.

　　這個(gè)不用多說(shuō),任何理財(cái)產(chǎn)品都是有風(fēng)險(xiǎn)的.

　　10. Collection of financial products from the broker configuration, the blue - chip is the first selection.

　　從券商集合理財(cái)產(chǎn)品配置來(lái)看, 藍(lán)籌股是第一優(yōu)選.

　　11. Bank financial products is expected to yield only an estimate, not the final rate of return.

　　銀行理財(cái)產(chǎn)品的預(yù)期收益率只是一個(gè)估計(jì)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(guān)的理財(cái)產(chǎn)品的定價(jià)問(wèn)題,對(duì)其建立了數(shù)學(xué)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(guó)債 、 債券類理財(cái)產(chǎn)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(gè)月以來(lái), 銀行結(jié)構(gòu)性理財(cái)產(chǎn)品的發(fā)行量一直呈逐月遞減的趨勢(shì).

　　15. Sound financial management products banks is still an indispensable asset allocation investors species.

　　穩(wěn)健型銀行理財(cái)產(chǎn)品依然是投資者資產(chǎn)配置不可或缺的品種.

　　理財(cái)產(chǎn)品英文閱讀

　　余額寶到底是不是個(gè)"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(guò)去的九個(gè)月里，20歲的連玲玲(音譯)養(yǎng)成了每天查看余額寶余額的習(xí)慣。余額寶這款網(wǎng)絡(luò)理財(cái)產(chǎn)品不僅幫助她和周圍同學(xué)存錢，還培養(yǎng)了他們的金融投資意識(shí)。但專家學(xué)者提醒，互聯(lián)網(wǎng)金融有風(fēng)險(xiǎn)，學(xué)生群體需要對(duì)這些金融產(chǎn)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(xué)計(jì)算機(jī)信息管理專業(yè)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(tuán)推出的金融業(yè)務(wù)，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(shuō)：“通過(guò)手機(jī)應(yīng)用，我可以在兩個(gè)賬戶間實(shí)時(shí)轉(zhuǎn)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(shuō)。“另外，每天我都可以看到賬戶中新增的收益。”

　　Good match

　　學(xué)生理財(cái)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(xué)生也對(duì)這種網(wǎng)絡(luò)理財(cái)方式頗感興趣，有些人甚至還樂(lè)在其中。根據(jù)人人網(wǎng)的一項(xiàng)最新調(diào)查顯示，70%的參與者表示對(duì)互聯(lián)網(wǎng)理財(cái)產(chǎn)品感興趣，其中大多數(shù)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(xué)經(jīng)濟(jì)學(xué)院副教授索玲燕(音譯)說(shuō)：“這種趨勢(shì)正好符合學(xué)生們的習(xí)慣。”她說(shuō)，大學(xué)生十分依賴網(wǎng)絡(luò)，“因此他們更易接受互聯(lián)網(wǎng)金融產(chǎn)品”。此外，她還表示，余額寶能夠滿足學(xué)生們“投資少、資金流動(dòng)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(shí)為她帶來(lái)了一些益處。自從她把錢放在支付寶中后，她便減少了購(gòu)物支出，而是把更多錢投到余額寶上。

　　Not risk-free

　　非零風(fēng)險(xiǎn)

　　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(xué)生們對(duì)待網(wǎng)絡(luò)理財(cái)產(chǎn)品要謹(jǐn)慎。“事實(shí)上，投資余額寶相當(dāng)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(fēng)險(xiǎn)程度相當(dāng)。”

　　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(xué)經(jīng)濟(jì)學(xué)教授李稻葵也指出，余額寶最大的風(fēng)險(xiǎn)在于缺乏信息透明度。“余額寶的背后實(shí)際上是高風(fēng)險(xiǎn)信用產(chǎn)品，而這些風(fēng)險(xiǎn)并未披露給個(gè)體購(gòu)買者，” 李稻葵在接受中央電視臺(tái)采訪時(shí)表示，“如果一些投資者對(duì)余額寶失去信心，就可能導(dǎo)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(rèn)為，對(duì)于學(xué)生投資者而言，解決問(wèn)題的辦法是獲取更多金融知識(shí)，弄清金融服務(wù)是如何操作的。“掌握一些金融理財(cái)?shù)幕驹瓌t可以幫助學(xué)生在投資時(shí)做出明智之選，從而規(guī)避或降低風(fēng)險(xiǎn)。”她說(shuō)。