【中文版】

期货是一种金融衍生品，可以为投资者提供规避风险和获取收益的机会。那么，为什么要有期货呢？

首先，期货可以有效地对冲风险。投资者可以通过买入或卖出期货合约来对冲自己面临的风险，从而避免因市场价格波动而产生的损失。这对于那些需要规避价格风险的机构投资者和个人投资者来说是非常重要的。

其次，期货市场具有价格发现功能。期货市场上的价格反映了市场对未来价格的预期和供求关系的变化，对于指导企业和个人的生产和消费决策具有重要意义。通过参与期货交易，投资者可以及时获取市场信息，做出更加明智的投资决策。

此外，期货交易具有高杠杆效应，使得投资者可以以较小的资金获得较大的收益。当然，高杠杆也意味着高风险，投资者需要谨慎控制风险。

最后，期货市场还有助于提高市场的流动性和稳定性。期货交易可以在任何时间进行买卖，使得市场具有高度的灵活性和可变性。同时，期货市场可以帮助投资者分散投资组合的风险，提高整个金融体系的稳定性。

总之，期货是现代金融体系中不可或缺的一部分。它们为投资者提供了多种工具和策略来管理风险和获取收益，对于经济发展和稳定具有重要意义。

【英文版】

Futures are a type of financial derivative that can provide investors with opportunities to hedge risks and obtain returns. So, why do we need futures?

Firstly, futures can effectively hedge risks. Investors can buy or sell futures contracts to offset the risks they face, thereby avoiding losses caused by market price fluctuations. This is very important for institutional investors and individual investors who need to avoid price risks.

Secondly, the futures market has a price discovery function. The price on the futures market reflects the market's expectations for future prices and changes in supply and demand, which is of great significance for guiding production and consumption decisions for both businesses and individuals. By participating in futures trading, investors can obtain market information in a timely manner and make more informed investment decisions.

In addition, futures trading has a high leverage effect, allowing investors to obtain large returns with small funds. Of course, high leverage also means high risks, so investors need to carefully control risks.

Finally, the futures market also helps improve market liquidity and stability. Futures trading can be done at any time, making the market highly flexible and versatile. At the same time, the futures market can help investors diversify portfolio risks and improve the stability of the entire financial system.

In summary, futures are an indispensable part of the modern financial system. They provide investors with a variety of tools and strategies to manage risks and obtain returns, which are of great significance for economic development and stability.