中文：

在金融领域，刚性兑付是指金融机构在向投资者发行产品时，承诺以固定收益或固定本金回报投资者，并在期满时向投资者支付本息的兑付方式。然而，为什么要打破刚性兑付呢？

首先，打破刚性兑付有利于促进市场风险意识的提高。在刚性兑付的情况下，投资者容易忽略投资风险，因为金融机构会承担所有的投资风险。这使得投资者难以真正了解投资的风险和收益，并阻碍了市场风险意识的提高。

其次，打破刚性兑付有利于促使金融机构更加谨慎地管理风险。在刚性兑付的情况下，金融机构可能会过度发行高风险的产品，因为即使产品出现问题，他们也会承担所有的损失。这使得金融机构容易忽略风险管理的重要性，并增加了金融体系的风险。

最后，打破刚性兑付有利于提高金融体系的稳定性。在刚性兑付的情况下，金融机构可能会通过过度借贷和过度投资来追求高收益，这增加了金融体系的风险和不稳定性。而打破刚性兑付可以让金融机构更加谨慎地管理风险，避免过度借贷和过度投资，从而提高金融体系的稳定性。

总的来说，打破刚性兑付对于促进市场风险意识的提高、促使金融机构更加谨慎地管理风险以及提高金融体系的稳定性都具有重要的意义。

英文：

In the financial field, the rigid guarantee refers to a form of repayment in which financial institutions promise to pay investors a fixed return or principal on their investments, and repay the investors at the end of the term. However, why do we need to break the rigid guarantee?

Firstly, breaking the rigid guarantee can help promote market awareness of risk. Under the rigid guarantee, investors tend to ignore investment risks because financial institutions will bear all the investment risks. This makes it difficult for investors to truly understand the risks and returns of their investments and hinder the improvement of market awareness of risk.

Secondly, breaking the rigid guarantee can help financial institutions more carefully manage risks. Under the rigid guarantee, financial institutions may over-issue high-risk products because they will bear all the losses even if the products have problems. This makes financial institutions tend to ignore the importance of risk management and increases the risks of the financial system.

Finally, breaking the rigid guarantee can help improve the stability of the financial system. Under the rigid guarantee, financial institutions may seek high returns through excessive borrowing and over-investment, increasing the risks and instability of the financial system. Breaking the rigid guarantee allows financial institutions to more carefully manage risks, avoid excessive borrowing and over-investment, and thereby improve the stability of the financial system.

Overall, breaking the rigid guarantee is of great significance for promoting market awareness of risk, urging financial institutions to more carefully manage risks, and improving the stability of the financial system.