【中文版】

保证金比例是指在金融衍生品交易中，交易者需要缴纳的一部分资金，通常用于保证交易的履约。这个比例通常由交易所或者交易平台制定，一般来说，保证金比例越低，交易者的资金利用率就越高，但风险也就越大。

保证金比例的计算方式通常是按照合约价值的一定比例来计算的。例如，如果一个期货合约的价值是100,000元，而保证金比例是10%，那么交易者需要缴纳10,000元作为保证金。如果合约价值下跌到某一特定价格以下，或者交易者未能在规定时间内补足保证金，那么交易所或交易平台就会强行平仓，以保证交易的履约。

保证金比例的高低直接影响到交易者的收益和风险。在保证金比例较高的交易中，虽然风险相对较低，但是资金利用率也较低，可能会限制交易者的收益。而在保证金比例较低的交易中，虽然资金利用率较高，但风险也相应增大。因此，交易者需要根据自己的风险承受能力和投资目标来选择合适的保证金比例。

【英文版】

Margin ratio refers to the portion of funds that traders need to deposit in order to guarantee the performance of transactions in financial derivatives trading. This ratio is usually set by the exchange or trading platform. Generally speaking, the lower the margin ratio, the higher the trader's fund utilization rate, but the greater the risk.

The calculation method of margin ratio is usually based on a certain proportion of the contract value. For example, if the value of a futures contract is 100,000 yuan, and the margin ratio is 10%, then traders need to deposit 10,000 yuan as margin. If the contract value falls below a certain price or the trader fails to make timely deposits, the exchange or trading platform will force liquidation to ensure the performance of the transaction.

The margin ratio directly affects the trader's returns and risks. In transactions with high margin ratios, although the risk is relatively low, the fund utilization rate is also low, which may limit the trader's returns. In transactions with low margin ratios, although the fund utilization rate is high, the risk is also correspondingly increased. Therefore, traders need to choose an appropriate margin ratio based on their risk tolerance and investment goals.