什么叫资产管理产品：中英文双语解读

中文段落：

资产管理产品，指的是由资产管理人根据合同约定，向投资者募集资金，投资于特定资产，并以获取投资收益为目的的产品。这类产品通常包括公募基金、私募基金、信托计划、银行理财产品等。资产管理产品的核心在于，通过专业的资产管理人的运作，将投资者的资金投入到风险与收益相匹配的投资标的中，以期实现资产的保值增值。

资产管理产品的特点有以下几点：首先，它们是集合投资工具，通过汇集众多投资者的资金，实现资金的规模效应和分散风险。其次，资产管理产品通常由专业的资产管理人进行管理和运作，投资者无需具备专业的投资知识和技能，可以通过购买这些产品来间接参与投资市场。最后，资产管理产品通常具有灵活的投资策略和期限，可以根据市场条件和投资者需求进行调整。

英文段落：

Asset management products refer to those funds raised by asset managers from investors under contractual agreements, invested in specific assets, and aimed at generating investment returns. These products typically encompass mutual funds, private equity funds, trust plans, and bank wealth management products. The essence of asset management products lies in the utilization of professional asset managers to allocate investors' funds into investment targets that match risk and return objectives, aiming for asset preservation and appreciation.

Asset management products exhibit several key characteristics. Firstly, they are pooled investment tools that aggregate funds from various investors, achieving economies of scale and risk diversification. Secondly, these products are typically managed and operated by professional asset managers, allowing investors to indirectly participate in investment markets without requiring expertise or knowledge. Lastly, asset management products often feature flexible investment strategies and durations, adaptable to market conditions and investor demands.

综上所述，资产管理产品是一种集合投资工具，通过专业资产管理人的管理和运作，将投资者的资金投入到风险与收益相匹配的投资标的中，帮助投资者实现资产的保值增值。这类产品具有规模效应、风险分散、专业管理、灵活策略等特点，是投资者参与投资市场的重要选择之一。