中文：

债券基金是一种以债券为主要投资对象的基金，它通过购买债券来获取收益。那么，债券基金靠什么赚钱呢？

首先，债券基金的收益主要来自于两个方面：利息收入和资本利得。利息收入是债券基金最主要的收益来源之一，它是基金持有的债券所支付的利息。此外，资本利得也是债券基金的重要收益来源。当债券价格上升时，基金可以通过卖出这些债券来获取利润。

其次，债券基金的收益还受到市场利率的影响。市场利率是衡量一个债券价格高低的重要指标，当市场利率上升时，债券价格会下跌，从而影响到债券基金的收益。相反，当市场利率下降时，债券价格会上涨，从而增加债券基金的收益。

最后，债券基金的收益还受到信用风险的影响。信用风险是指债券发行人可能无法按时支付利息或本金的风险。如果债券发行人违约，那么债券基金将会面临损失。因此，在选择投资对象时，债券基金必须谨慎考虑信用风险。

总的来说，债券基金的收益主要来自于利息收入、资本利得以及市场利率和信用风险的共同作用。投资者在选择债券基金时，需要综合考虑这些因素，以选择适合自己的投资产品。

英文：

Bond funds are funds that invest primarily in bonds to generate returns. So what does a bond fund earn money from?

Firstly, the收益of bond funds mainly comes from two aspects: interest income and capital gains. Interest income is one of the most important sources of bond fund returns, which is the interest paid by the bonds held by the fund. In addition, capital gains are also an important source of bond fund returns. When bond prices rise, the fund can sell these bonds to obtain profits.

Secondly, the returns of bond funds are also affected by market interest rates. Market interest rates are an important indicator of the price of a bond. When market interest rates rise, bond prices will fall, thus affecting the returns of bond funds. Conversely, when market interest rates fall, bond prices will rise, increasing the returns of bond funds.

Finally, the returns of bond funds are also affected by credit risks. Credit risks refer to the risk that a bond issuer may not be able to pay interest or principal on time. If a bond issuer defaults, the bond fund will face losses. Therefore, when selecting investment targets, bond funds must carefully consider credit risks.

Overall, the returns of bond funds mainly come from interest income, capital gains, and the combined effects of market interest rates and credit risks. When choosing a bond fund, investors need to comprehensively consider these factors to select an appropriate investment product for themselves.