FT业务是什么？

中文段落：

FT业务，全称为“自由贸易账户”，是近年来在我国金融领域兴起的一种新型业务。它允许境内机构和个人在遵守国家法律法规的前提下，通过特定的自由贸易账户，在境外进行资金的自由划转、兑换、投融资等金融活动。FT业务是我国金融改革开放的重要创新之一，旨在推动金融市场的国际化，提高金融服务的便利化水平，进一步促进跨境贸易和投资便利化。

通过FT业务，企业可以在全球范围内进行资金的自由配置，降低融资成本，提高资金使用效率。同时，个人也可以通过FT业务进行跨境投资，实现资产的多元化配置，分散投资风险。然而，FT业务也存在一定的风险和挑战，如资金流动的风险、汇率风险、监管风险等。因此，参与FT业务的企业和个人需要具备相应的风险意识和风险管理能力。

英文段落：

FT business, fully known as "Free Trade Account," is a new type of financial service that has emerged in China's financial sector in recent years. It allows domestic institutions and individuals to conduct financial activities such as free transfer of funds, exchange, investment, and financing overseas through specific free trade accounts, while adhering to national laws and regulations. The FT business represents a significant innovation in China's financial reform and opening-up, aiming to promote the internationalization of financial markets, improve the convenience of financial services, and further facilitate cross-border trade and investment.

Through the FT business, companies can freely allocate funds globally, reducing financing costs and improving capital utilization efficiency. Meanwhile, individuals can engage in cross-border investments through the FT business, diversifying their asset portfolio and diversifying investment risks. However, there are also certain risks and challenges associated with the FT business, such as capital flow risks, exchange rate risks, and regulatory risks. Therefore, companies and individuals participating in the FT business need to possess corresponding risk awareness and risk management capabilities.