【中文版】

融资余额增加是指在融资过程中，借款方通过向投资方或银行等机构借款而获得的资金余额。融资余额的增加可能意味着借款方需要更多的资金来支持其业务或投资需求，或者现有资金不足以支持其计划。

具体来说，当借款方需要更多的资金时，可以通过向投资方或银行等机构借款来增加其资金来源。这种借款通常需要提供一定的抵押品或担保，并需要支付一定的利息。融资余额的增加可以使借款方有更多的资金来支持其业务或投资需求，从而促进其发展。

然而，融资余额增加也可能带来一些风险。如果借款方的经营或投资计划失败，将无法按时偿还借款和利息，导致资金链断裂和债务危机。此外，如果市场环境发生变化或经济状况不佳，投资方或银行等机构可能会收紧信贷政策，导致融资难度增加和融资成本上升。

因此，借款方需要根据自身情况和市场环境谨慎考虑融资决策，确保融资规模和成本与自身承受能力相匹配，并制定合理的还款计划和风险管理措施。

【英文版】

The increase in financing balance refers to the funds obtained by the borrower through borrowing from investors or banks and other institutions in the financing process. The increase in financing balance may mean that the borrower needs more funds to support its business or investment needs, or the existing funds are not enough to support its plans.

Specifically, when the borrower needs more funds, it can borrow from investors or banks and other institutions to increase its funding sources. This kind of loan usually requires the borrower to provide certain collateral or guarantees, and needs to pay a certain interest. The increase in financing balance can provide more funds to the borrower to support its business or investment needs, thus promoting its development.

However, the increase in financing balance may also bring some risks. If the borrower's business or investment plan fails, it will not be able to repay the loan and interest on time, leading to a capital chain breakdown and debt crisis. In addition, if the market environment changes or the economy is not good, investors or banks and other institutions may tighten credit policies, leading to increased financing difficulties and rising financing costs.

Therefore, the borrower needs to carefully consider the financing decision based on its own situation and market environment to ensure that the financing scale and cost match its affordability, and develop a reasonable repayment plan and risk management measures.