互聯網金融的專業術語

『壹』 翻譯下面一段話，最好用專業術語，不要軟體翻譯的，謝謝。

Today we are living in an era of finance. Financing is everywhere and has formed a huge system. As the traditional financial system has matured, a new financial instry - Internet finance, as a combination of the Internet and finance, is rapidly developing. However, in recent years, many incidents regarding the incroachment of the Internet financial consumers' rights and interests have been exposed, which makes the Internet financial consumer rights protection issues quickly become the focus of the financial sector. Series of issues arise mainly e to the fact that there exist a lot of problems in the financial consumer protection both theoretically and practically, manifested as the lag in the establishment of a sound legal system and regulatory system. Considering the current development of China's Internet finance, e to the unique characteristic which is different from the traditional financing system, the issue regarding the rights protection of Internet financial consumers is particularly prominent. Therefore, to step up the perfection of financial consumer rights protection system in such an Internet financial background has become particularly important. We need to analyze the status quo of financial consumer protection on the basis of in-depth analysis of Internet financial consumer rights protection issues, combined with the unique characteristics of Internet finance itself, and then give a well-rounded proposal.
Based on the analysis of the forms and problems of Internet financial consumers 'rights and interests, this paper aims to analyze the problems of Internet financial consumers' rights and interests caused by the lack of sound legal system and supervision system in the process of rapid development of Internet finance. We also aim to find solutions and povide some advice. In recent years, the interests of Internet consumers in China have indeed received more and more attention, but better solutions to solve the problem have not been found yet. Therefore, the protection of Internet financial consumers' legal rights and interests of the Internet and the field of healthy and sustainable development, which is discussed in this article, has some practical significance.

『貳』 網上買保險的弊端

隨著互聯網保險的不斷發展，越來越多的消費者也選擇在線購買保險產品。盡管在線購買保險有很多好處，但並不是說沒有缺點。網上買保險主要有以下弊端：

1、大部分為消費型重疾險

一般在網上售賣的重疾險大都為消費型重疾險，雖然價格便宜，但卻沒有很高的現金價值，如果在保險期內沒有出險，那麼在保險期結束後也不會有任何返還金可以領取（並且中途退保也不會有很高的現金價值可以返還）。

2、保障時間短

隨著年齡的增大，重疾的發病概率也是增大的。等到年齡增大，再去買保險，不僅很難買到適合的產品，即便有，可能保費也非常昂貴。一般在網上售賣的重疾險的保障時間是比較短的，大部分產品只能保障30年、保障到60歲、70歲但這之後就不能繼續參保了。

3、可能遇到騙子

網上虛假信息很多，有的騙子就會製造假的網頁來騙取消費者購買，有的人不注意很有可能就會中招。若在網上購買保險可以了解一下這些保險平台：《網上保險超市有哪些？線上投保需要注意什麼？》

4、各地分公司比較少

雖然保險產品異地可以理賠，但相比在本地直接理賠，速度上肯定有差別的。目前很多線上重疾險的承保公司，在全國各地的分公司並不多，有的甚至只有1、2個城市有營業網點，在實際理賠時理賠速度就會受到影響。

雖然線上購買保險有弊端，但只要消費者仔細認真選擇，根據實際情況出發，就能買到心儀的保險產品。想要在網上購買保險可以咨詢奶爸保，奶爸保透過客觀的數據分析，對保險公司和保險產品進行分析點評，為消費者提供專業的保險咨詢，保單託管，協助售後理賠等服務。