【中文版】

年利率是指投资者在一年时间内投资某个金融产品所获得的收益率。简单来说，年利率就是将一个投资周期的收益按照一年时间进行折算，以反映投资者在该周期内所获得的投资回报。

年利率通常以百分比的形式表示，例如5%的年利率意味着投资者每年可以获得投资本金5%的收益。年利率越高，投资者获得的投资回报就越多，但同时也意味着投资风险越高。

年利率是金融市场和金融产品中非常重要的指标之一。通过了解年利率，投资者可以更好地评估自己的投资收益和投资风险，从而做出更加明智的投资决策。

【英文版】

Annual interest rate refers to the yield rate that investors can obtain from investing in a certain financial product within one year. In other words, the annual interest rate is a measure of investment return within one year based on the investment period.

The annual interest rate is usually expressed in percentage terms. For example, a 5% annual interest rate means that an investor can obtain 5% of the investment principal as a return each year. The higher the annual interest rate, the higher the investment return that investors can obtain, but it also means higher investment risks.

The annual interest rate is a very important indicator in the financial market and financial products. By understanding the annual interest rate, investors can better evaluate their investment returns and risks, and make more informed investment decisions.