急急急 跪求英文文献 有关银行理财产品的 最好有中英文对照

银监会出台的《商业银行个人理财业务管理暂行办法》对于“个人理财业务”的界定是，“商业银行为个人客户提供的财务分析、财务规划、投资顾问、资产管理等专业化服务活动”。商业银行个人理财业务按照管理运作方式的不同，分为理财顾问服务和综合理财服务。我们一般所说的“银行理财产品”，其实是指其中的综合理财服务。
银行理财产品按照标准的解释，应该是商业银行在对潜在目标客户群分析研究的基础上，针对特定目标客户群开发设计并销售的资金投资和管理计划。在理财产品这种投资方式中，银行只是接受客户的授权管理资金，投资收益与风险由客户或客户与银行按照约定方式承担。
一般根据本金与收益是否保证，我们将银行理财产品分为保本固定收益产品、保本浮动收益产品与非保本浮动收益产品三类。另外按照投资方式与方向的不同，新股申购类产品、银信合作品、QDII产品、结构型产品等，也是我们经常听到和看到的说法。

China Banking Regulatory Commission promulgated the "Commercial Bank Interim Measures for the Administration of Personal Financial Services" for the "Personal Financial Services" is defined as "commercial banks for individual customers of financial analysis, financial planning, investment advisers, asset management, professional services and other activities" . Commercial Bank Management, Personal Financial Services in accordance with the different mode of operation, is divided into management consultancy services and integrated financial services. We normally refer to the "bank financial products," which actually refers to a comprehensive financial services.

Bank financial products in accordance with the standard interpretation of the commercial banks should be potential targets in the analysis of customer base, based on the specific target customer base for the development of design and sales of capital investment and management plan. In the financial products that investment banks only to accept the authority of the management of client funds, investment income and the risk of the client or the client and the bank assumed in accordance with the agreement.

According to principal and income in general is that we will be banking financial products are divided into fixed-income capital preservation products, security products and proceeds of the floating non-insurance products of the three types of floating receipts. In addition and in accordance with the direction of investment is different from application of new products, silver products Letter cooperation, QDII products, structured products, but also we often hear and see that.

东亚银行“利财通1”的理财产品的介绍你要么？在境内销售的理财产品人家用中文介绍。东亚银行是港资公司，在国内和香港都有网点（但不同法人，因为国内银行监管等法律法规有要求）。

你可以去查一下这款产品在香港有没有销售，如果有的话就有英文的介绍。

境内的合同如果没有明确约定，中英文理解不同的以中文为准。

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