英语翻译近年来,随着我国经济发展水平不断提高,居民财富已积累到一定水平,居民金融资产逐步成为人们关注的一个重要问题.我国居民金融资产结构由以前单一的现金—储蓄结构向债券、股

Question

英语翻译
近年来,随着我国经济发展水平不断提高,居民财富已积累到一定水平,居民金融资产逐步成为人们关注的一个重要问题.我国居民金融资产结构由以前单一的现金—储蓄结构向债券、股票、保险等多元化结构转变.随着居民各种消费需求和投资需求的迅速增加,且居民个人自我理财技能不高,理财机会成本较高,理财效果不理想等,客观上形成了理财服务市场,个人理财业务也渐渐具备了其实现的前提和基础.个人理财市场的发展潜力巨大,个人理财业在我国已经兴起并迅速发展,但是理财理论研究明显落后于理财实践,理财服务还处于产品推销的阶段,只重视推销理财产品不重视推销理财理念,产品同质化,理财人才缺乏等问题制约了个人理财业的发展.

Answer 1

In recent years,as the economy of China continues to grow,a considerable amount of wealth is accumulated by Chinese people,and therefore the financial assets of them increasingly become one of their priorities.The structure of financial assets has changed from cash-saving model several years ago to a diversified portfolio of bonds,shares and insurance policies.With this surging demand to invest,compounded with the fact that the people themselves are not experienced in financial management,a market for individual financial services has formed.This market has great potentials,but it also has some drawbacks.For example,financial theories lag behind,financial service promotion has been focused on products rather than concepts,the products are homogeneous,and the human resources are short of supply.These problems have limited the development of individual finance services.