首先针对学术界对民间金融概念存在不同的表述，界定了本文中民间金融的概念。

First aims at the academic circle to the folk financial concept existence different indication, has limited in this article the folk financial concept.

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现在，我想从统计学中转移出来，谈论下当前值，金融学中另一个非常基本的概念。

Now. I want to move away from statistics and talk about present values, which is another concept in finance that is fundamental.

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自负可能是最常见的行为金融学概念。

Overconfidence may be the most obvious behavioral finance concept.

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With each year that goes by the concepts of finance are being applied more broadly and involving more and more people.

一年一年,随着金融概念得到广泛应用,越来越多的人开始参与金融行业

耶鲁公开课 - 金融市场课程节选

That may be a familiar enough concept to you, but in the context of finance this is a major concept.

这个概念你们应该很熟悉了,在金融学中,这是个很重要的概念

耶鲁公开课 - 金融市场课程节选

That's what, in principle, we can do and what I think is the most important concept in finance--this concept of risk pooling.

原则上，这就是我们能做的,我认为这也是金融业最重要的概念,即风险汇聚及分摊。

耶鲁公开课 - 金融市场课程节选