【中文版】

最低还款额是指借款人在还款期限内，按照银行规定的最低还款比例，偿还贷款本金和利息的一种还款方式。最低还款额通常适用于信用卡、贷款等债务还款。

最低还款额的计算方式是，将本期应还金额按照一定的比例（通常为10%）计算出一个最低还款金额，借款人只需按照这个最低还款金额进行还款即可。但是需要注意的是，虽然最低还款额可以减轻借款人的经济压力，但是它并不是最优的还款方式。

最低还款额虽然可以避免逾期和不良记录的产生，但是它会提高借款人的利息负担。因为最低还款额只是一种暂时的还款方式，未还清的部分会继续计息，而且利息的计算方式通常采用复利计算，这样会让借款人的债务不断增加。

此外，如果借款人长期采用最低还款额还款，那么他们可能会陷入“利息陷阱”。因为最低还款额不会让债务减少，只会让债务的利息不断增加，最终导致借款人的债务越来越多。

总的来说，最低还款额是一种暂时的还款方式，虽然可以减轻借款人的经济压力，但是并不是最优的还款方式。借款人应该根据自己的实际情况选择适合自己的还款方式。

【英文版】

Minimum repayment refers to the minimum amount of repayment that borrowers need to pay back to the bank within the repayment period, calculated according to a certain proportion (usually 10%) of the repayment amount required in the current period. Minimum repayment is usually applicable to credit cards, loans and other debt repayments.

The calculation method of minimum repayment is to calculate the minimum repayment amount by comparing the repayment amount in the current period with a certain proportion. Borrowers only need to repay the minimum repayment amount. However, it should be noted that although minimum repayment can reduce the economic pressure on borrowers, it is not the optimal repayment method.

Although minimum repayment can avoid the occurrence of overdue and bad records, it will increase the interest burden on borrowers. Because minimum repayment is only a temporary repayment method, the unpaid part will continue to accrue interest, and the interest calculation method usually uses compound interest calculation, which will allow borrowers' debt to continue to increase.

In addition, if borrowers adopt minimum repayment for a long time, they may fall into the "interest trap". Because minimum repayment will not reduce debt, but only allow the interest on debt to continue to increase, eventually resulting in borrowers' debt getting more and more.

In summary, minimum repayment is a temporary repayment method that can reduce borrowers' economic pressure, but it is not the optimal repayment method. Borrowers should choose a suitable repayment method based on their actual situation.