【中文版】

银行理财工具是指银行提供的各种理财服务和产品，可以帮助客户实现财富增值和保值。这些理财工具主要包括储蓄、理财产品、基金、股票、债券、保险等。

储蓄是银行提供的一种简单而方便的理财工具，它是一种以存款方式将资金交给银行进行保管和运用，从而获得一定的利息收益。

理财产品是银行根据客户需求和风险偏好，设计出的一种固定收益或非固定收益的理财产品，客户可以根据自己的需求选择购买不同的理财产品。

基金是银行代客理财的一种金融产品，它是由基金管理人管理和运作的，通过分散投资降低风险，以实现资产的增值。

股票是股份公司发行的一种证券，客户可以通过股票市场买卖股票，实现资产的增值和保值。

债券是银行或其他金融机构发行的一种债务凭证，客户可以通过购买债券获得固定收益。

保险是银行代理的一种商业保险产品，它可以帮助客户规避风险，同时获得一定的保障和收益。

总之，银行理财工具多种多样，客户可以根据自己的需求和风险偏好选择适合自己的理财工具，从而实现财富的增值和保值。

【英文版】

Bank financial management tools refer to various financial services and products provided by banks that help customers achieve wealth appreciation and preservation. These financial management tools mainly include savings, wealth management products, funds, stocks, bonds, insurance, etc.

Savings is a simple and convenient financial management tool provided by the bank. It is a way of depositing funds with the bank for safekeeping and use, thereby obtaining certain interest income.

Wealth management products are a type of financial product designed by banks based on customer needs and risk preferences, and can be either fixed or non-fixed income products. Customers can choose different wealth management products according to their needs.

Funds are a type of financial product managed by fund managers. They are diversified to reduce risk and achieve asset appreciation.

Stocks are securities issued by listed companies, and customers can buy and sell stocks through the stock market to achieve asset appreciation and preservation.

Bonds are debt instruments issued by banks or other financial institutions. Customers can obtain fixed income by purchasing bonds.

Insurance is a commercial insurance product代理by the bank that can help customers avoid risks while also providing them with certain protection and income.

In summary, there are many types of bank financial management tools available, and customers can choose the ones that suit their needs and risk preferences to achieve wealth appreciation and preservation.