中文：

融资4倍是指投资者通过融资交易方式买入股票时，使用4倍的杠杆效应。具体来说，投资者只需要支付相当于股票价格1/4的保证金，就可以买入相当于股票价格4倍的股票。这种融资交易方式可以增加投资者的交易筹码，但同时也增加了投资风险。

在融资4倍交易方式下，如果投资者买入的股票价格上涨4%，那么投资者的盈利将是1%，即实际盈利是本金的1/4。但是，如果投资者买入的股票价格下跌4%，那么投资者的亏损也将是1%，即实际亏损是本金的1/4。因此，融资4倍交易方式具有高风险和高收益的特点。

英文：

Mortgage 4 times refers to an investor using the mortgage trading method to buy stocks, using a leverage ratio of 4 times. Specifically, an investor only needs to pay a deposit equivalent to 1/4 of the stock price to buy stocks worth 4 times the stock price. This mortgage trading method can increase the investors' trading chips, but it also increases the investment risk.

In the mortgage 4 times trading method, if the price of the stocks bought by investors rises by 4%, then the investors' profit will be 1%, which is 1/4 of the principal. However, if the price of the stocks bought by investors falls by 4%, then the investors' loss will also be 1%, which is also 1/4 of the principal. Therefore, the mortgage 4 times trading method has the characteristics of high risk and high return.