中文段落：

购买理财产品不给凭证，这让很多投资者感到困惑和不安。为什么会出现这种情况呢？其实，这背后有多方面的原因。

首先，随着科技的发展，越来越多的理财产品实现了电子化交易，投资者在购买时只需要通过网上银行或手机银行等渠道进行操作，即可完成购买。这种情况下，购买凭证通常会以电子形式存在，如交易确认短信、电子邮件等，而不是传统的纸质凭证。

其次，有些理财产品属于非标准化产品，其交易过程较为复杂，购买凭证的生成和传递需要一定时间。因此，在购买时，投资者可能无法立即获得凭证，需要等待一段时间。

此外，还有一些投资者购买的理财产品可能存在风险，为了避免凭证被滥用或产生纠纷，一些金融机构会选择不直接提供凭证。这种情况下，投资者可以通过查询交易记录或联系客服等方式来验证购买情况。

需要注意的是，无论是否提供凭证，投资者在购买理财产品时都应该保留好相关交易记录，以便日后查询和维权。同时，投资者也应该仔细阅读产品说明书和风险提示，了解产品的特点和风险，做出明智的投资决策。

英文段落：

The lack of receipts for purchasing financial products often leaves many investors confused and uneasy. Why does this happen? Actually, there are several reasons behind it.

Firstly, with the advancement of technology, an increasing number of financial products have achieved electronic transactions. Investors can complete the purchase simply by operating through online or mobile banking channels. In such cases, the purchase receipts usually exist in electronic form, such as transaction confirmation SMS or emails, rather than traditional paper receipts.

Secondly, some financial products are non-standardized, and their transaction processes are relatively complex. The generation and transmission of purchase receipts require some time. Therefore, investors may not immediately obtain receipts upon purchase and need to wait for a period.

In addition, there are some financial products that investors purchase may pose risks. To avoid misuse of receipts or disputes, some financial institutions choose not to provide receipts directly. In such cases, investors can verify the purchase status by querying transaction records or contacting customer service.

It is worth noting that regardless of whether receipts are provided, investors should always keep relevant transaction records when purchasing financial products for future reference and dispute resolution. At the same time, investors should carefully read the product instructions and risk warnings, understand the characteristics and risks of the products, and make informed investment decisions.