【中文版】

名义本金是一种金融概念，是指在进行金融交易时，参与者所认可的资产或债务的金额。这个金额不代表现实中的实际资金，而是一个用于计算和记录交易的货币数额。例如，在进行债券交易时，名义本金是指债券的面值，而不是实际使用的资金量。

名义本金的主要作用是简化金融交易的计算过程。由于金融市场上的交易通常涉及大额的资金，如果每次交易都需要计算实际资金的数量，那么交易过程将会变得非常复杂且容易出错。因此，使用名义本金可以大大简化交易的计算过程，提高交易的效率和准确性。

需要注意的是，名义本金并不代表实际资金，因此在进行金融交易时，需要将名义本金转换为实际资金进行交割。例如，在进行债券交易时，买方需要将名义本金转换为实际资金向卖方支付债券的本金和利息。

总之，名义本金是一种用于简化金融交易计算过程的货币数额，它不代表现实中的实际资金。在进行金融交易时，需要将名义本金转换为实际资金进行交割。

【英文版】

Nominal principal is a financial concept that refers to the amount of assets or liabilities recognized by participants in a financial transaction. This amount does not represent the actual funds used in the transaction, but rather a monetary amount used for calculating and recording transactions. For example, in bond trading, the nominal principal refers to the face value of the bond, rather than the actual amount of funds used.

The main purpose of nominal principal is to simplify the calculation process of financial transactions. Since financial market transactions often involve large sums of money, if each transaction requires calculating the actual amount of funds, the trading process would be very complicated and prone to error. Therefore, using nominal principal can greatly simplify the calculation process of transactions, improve the efficiency and accuracy of trading.

It should be noted that nominal principal does not represent actual funds, so when conducting financial transactions, it is necessary to convert the nominal principal into actual funds for settlement. For example, in bond trading, the buyer needs to convert the nominal principal into actual funds to pay the seller the principal and interest of the bond.

In summary, nominal principal is a monetary amount used to simplify the calculation process of financial transactions and does not represent actual funds used in the transaction. When conducting financial transactions, it is necessary to convert the nominal principal into actual funds for settlement.