【中文版】

非标资产是指不符合银行理财新规的资产，通常指的是非标准化债权和权益性资产。这些资产往往具有较高的风险，需要采取特别的措施进行风险管理。

在银行理财新规中，银行不得将募集的理财资金投资于未上市企业股权和上市公司非公开发行或交易的股份，以及商业银行信贷资产、受托管理的他人财产等。这些资产都属于非标资产，因为它们不符合标准化资产的规定。

非标资产具有较高的风险，主要是因为这些资产通常不具有公开交易市场，流动性较差，且信息披露不透明。此外，这些资产往往涉及较高的杠杆率，增加了风险。

为了控制非标资产的风险，银行采取了多种措施，例如设定严格的准入条件、限制投资金额、加强风险管理等。此外，银行还需要定期对非标资产进行风险评估，确保其符合风险管理要求。

【英文版】

Non-standard assets refer to assets that do not meet the regulations of the bank's wealth management. These assets are usually non-standard债权 and equity assets, which often have high risks and require special measures for risk management.

In the new regulations of bank wealth management, banks are not allowed to invest the raised wealth management funds in non-listed corporate equity, listed corporate private placement or trading shares, as well as bank credit assets, assets entrusted to others, etc. These assets are all non-standard assets because they do not meet the regulations of standardized assets.

Non-standard assets have high risks, mainly because these assets often do not have an open trading market, have poor liquidity, and lack transparent information disclosure. In addition, these assets often involve high leverage ratios, increasing risk.

To control the risks of non-standard assets, banks have taken various measures, such as setting strict access conditions, limiting investment amounts, strengthening risk management, etc. In addition, banks also need to regularly assess the risks of non-standard assets to ensure that they meet risk management requirements.