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A:
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老张，你上次介绍的私募基金业绩不错啊。
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lǎozhāng, nǐ shàngcì jièshào de sīmù jījīn yèjì bùcuò a.
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Lao Zhang, the growth of the private-placed fund you introduced to me last time are good.
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B:
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是嘛，那你可要请客呀。
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shì ma, nà nǐ kě yào qǐngkè ya.
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Really? So you have to invite me out to dinner.
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C:
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哟，老李要请客呀，有什么好事儿啊？
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yō, lǎolǐ yào qǐngkè ya, yǒu shénme hǎo shìr a?
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Hey, what's so good that Lao Li is inviting you out?
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A:
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上次老张给我介绍了个私募证券基金，收益挺不错的。
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shàngcì lǎozhāng gěi wǒ jièshào le gè sīmù zhèngquàn jījīn, shōuyì tǐng bùcuò de.
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The gains on the privately placed security fund that Lao Zhang introduced to me last time are good.
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C:
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是嘛，我手头上也有闲置资金，不知道该怎么打理呢，你们有什么消息也跟我说说。
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shì ma, wǒ shǒutóu shàng yě yǒu xiánzhì zījīn, bù zhīdào gāi zěnme dǎlǐ ne, nǐmen yǒu shénme xiāoxi yě gēn wǒ shuōshuo.
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Really? I have unused capital on hand and I don't know how to manage it. If you have any information, you should share it with me too.
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A:
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这个啊，你问他。
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zhège a, nǐ wèn tā.
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Ask him about this.
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C:
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老张，那个私募基金到底是怎么一回事啊，跟我平时在证券交易所买的基金一样吗？
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lǎozhāng, nàge sīmù jījīn dàodǐ shì zěnme yīhuíshì a, gēn wǒ píngshí zài zhèngquànjiāoyìsuǒ mǎi de jījīn yīyàng ma?
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Lao Zhang, what about that privately placed fund? Is it the same as the funds I normally buy in the stock market?
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B:
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你买的那种是公募基金，是面向大众公开发行的基金，私募基金是采用非公开的方式，面对特定的投资者，私下募集的。
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nǐ mǎi de nàzhǒng shì gōngmù jījīn, shì miànxiàng dàzhòng gōngkāi fāxíng de jījīn, sīmù jījīn shì cǎiyòng fēigōngkāi de fāngshì, miànduì tèdìng de tóuzīzhě, sīxià mùjí de.
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That kind that you buy are publicly placed funds and are public-oriented and publicly issued funds. Privately placed funds employ a non-public way to face a specially designated investor and are privately raised.
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C:
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啊，私下募集啊，那安全吗？
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á, sīxià mùjí a, nà ānquán ma?
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Oh, privately raised, eh? Is that secure?
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B:
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这种是阳光私募，是通过信托公司发行的，由银监会监管的，还是挺安全的。
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zhèzhǒng shì yángguāngsīmù, shì tōngguò xìntuō gōngsī fāxíng de, yóu yínjiānhuì jiānguǎn de, háishì tǐng ānquán de.
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This kind is a transparent private placement and is issued through a trust company. It is supervised by the China Banking Regulatory Commission, so it is very secure.
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C:
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这种基金一般投资方向是什么？
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zhèzhǒng jījīn yībān tóuzī fāngxiàng shì shénme?
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What is generally the investment orientation for this kind of fund?
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B:
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主要是股票，债券这些。
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zhǔyào shì gǔpiào, zhàiquàn zhèxiē.
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It is mainly like stocks and bonds.
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C:
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那收益呢，比公募基金高吗？
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nà shōuyì ne, bǐ gōngmù jījīn gāo ma?
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What about the gains then? Are they higher than publicly placed funds?
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B:
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那要看，每个基金的基金经理和团队不一样，业绩差别也很大。买的时候要慎重选择，才能找到适合自己的。
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nà yào kàn, měige jījīn de jījīn jīnglǐ hé tuánduì bù yīyàng, yèjì chābié yě hěn dà. mǎi de shíhou yào shènzhòng xuǎnzé, cáinéng zhǎodào shìhé zìjǐ de.
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That depends. Every fund's fund manager and group is different, so the difference in yields is also very large. When you buy, you need to choose cautiously to find one that suits you.
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C:
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这样啊！
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zhèyàng a!
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It's like that!
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B:
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不过私募基金受的监管少，自由度高，投资比例灵活，所以跟公募比起来有一定的优势。
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bùguò sīmù jījīn shòu de jiānguǎn shǎo, zìyóudù gāo, tóuzī bǐlì línghuó, suǒyǐ gēn gōngmù bǐqǐlai yǒu yīdìng de yōushì.
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But the privately placed funds are not supervised a lot, so the degree of freedom is high and the proportion of investment is flexible. So when compared to public placement there is definite advantage.
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C:
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不错呀，你给我推荐一下，我也买一点试试吧。
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bùcuò ya, nǐ gěi wǒ tuījiàn yīxià, wǒ yě mǎi yīdiǎn shìshi ba.
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Great. Make a recommendation to me and I will buy a bit to try.
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B:
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买一点可能不行，私募基金的门槛比较高，一般是一百万起步的。
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mǎi yīdiǎn kěnéng bùxíng, sīmù jījīn de ménkǎn bǐjiào gāo, yībān shì yībǎiwàn qǐbù de.
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Buying a little is probably not going to work. The threshold of privately placed funds is relatively high. Generally it starts at one million.
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C:
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一百万？！那以后再说吧。
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yībǎiwàn?! nà yǐhòu zài shuō ba.
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One million! Then I'll see about later.
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