English Chinese translation sample-"Smart F/X" Foreign Exchange Finance

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

"Smart F/X" Foreign Exchange Finance
☆ Introduction
An ICBC F/X finance product for personal customer offered under a series of structured products to which interest rate, exchange rate, credit, stock or commodity is linked.
“汇财通”外汇理财产品
　　☆产品简介
　　“汇财通”是指我行以一系列与利率、汇率、信用、股票或商品等挂钩的结构性产品为载体，向个人客户提供的外汇理财服务。

☆ Features
1. Variety of products. ICBC "F/X Financing" includes major currencies in the world such as US dollar, HK dollar and Euro. Variety of new products from time to time can tailor to all customers of different risk preferences.
2. Principal is guaranteed, with a top return rate among all the domestic products, and interest is higher than fixed deposit of same term, with a flexible investment period.
3. Easy to buy, in cash or F/X.
　　☆服务特色
　　1、产品丰富。我行销售包括美元、港币和欧元等世界主要货币在内的“汇财通”外汇理财产品，“汇财通”外汇理财产品品种繁多，并且不断推陈出新，可以满足不同风险偏好客户的需求。
　　2、产品具有本金安全、收益率同业领先、利息高于同期定期存款、投资期限灵活多样等特点。
　　3、购买方便，现钞现汇均可办理。　　

☆ Main Varieties
1. Principal protected, and profit rate defined. Actual profit rate is confirmed in advance during subscription and further classified into two types:
(1) Fixed rate – rate is fixed through entire investment period.
(2) Incremental rate – rate is increased at each stage during the period.
　　☆主要产品类型
　　1、保本、收益率确定型
　　实际收益率在认购时即已事先确定，按照事先确定的收益率模式又可分为两种类型。
　　（1）收益率固定型—整个投资期的收益率固定。
　　（2）收益率递增型---投资期内每阶段的收益率逐步提高。

2. Principal-protected, and profit rate undefined. Investor's principal is guaranteed, but actual income is linked to some market indicators. Product structure and trend of reference indicator determine the actual return of the product.
(1) Interest rate-linked, suitable for investors who understand the trend of interest rate and are willing to take more risks in order to get higher income.
(2) Exchange-rate linked, suitable for investors who have certain knowledge and judgment on exchange rate trends.
　　2、保本、收益率不确定型
　　确保投资者本金安全，但实际收益与某些市场参考指标挂钩，产品结构及参考指标的走势决定了该产品实际收益的高低。
　　（1）与利率挂钩型。适合那些了解利率走势，并且愿意通过承担更大的风险以期获取更高收益的投资者。
　　（2）与汇率挂钩型。适合对外币的汇率走势有一定的了解和判断的投资者。

☆ Service Channel
At all ICBC Finance Centers.
　　☆服务渠道
　　工行各理财中心。　　

☆ Operation Guide
During offer period, apply at ICBC designated business office where this product is available with valid ID document and F/X cash or ICBC passbook. Personal F/X finance product carries risks. ICBC will state clearly the product and risks involved. Hence, investor can only apply it by himself. Others cannot apply on behalf.
　　☆操作指南
　　客户只需在产品发行期内，持本人有效身份证件与外币现钞或我行存折，至我行指定受理网点即可办理。由于个人外汇理财业务存在一定投资风险，我行须向客户进行必要的产品说明及风险揭示，因此只能由投资者本人办理，不可委托他人代办。　　

☆ Helpful Tips
1. Customer has to pay penalty in agreed ratio to ICBC if early withdrawal is made.
2. "F/X Financing" uses real name. Details to see in State Council rules of real name system on personal deposit account.
3. Customer is taxed for the income earned.
4. More such type of products will be launched. Details can be found at ICBC website and notices announced at ICBC business office, or by calling 95588.
　　☆温馨提示
　　1、客户提前支取“汇财通”外汇理财产品需向银行缴纳约定比例的违约金。
　　2、“汇财通”理财产品实行实名制，具体办法比照国务院关于个人存款账户实名制的有关规定办理。
　　3、对于投资个人外汇理财产品产生的收益，客户需自行纳税。
　　4、我行将根据市场情况和客户需求，适时推出更多种类的个人外汇理财产品，请留意我行网站及营业网点公告，如有疑问可致电95588咨询。