### Chinese: 与此同时，在享受金融产品和服务时，还应选择正规机构及渠道，并注意查验相关机构是否具备经营资质。
### English: At the same time, when enjoying financial products and services, it is needed to select regular institutions and channels, and check if related institutions have the qualification for operation.
### Errors: There is a major error of terminology is non-standard or does not fit context. terminology is used inconsistently at "regular institutions". There is a minor error of incorrect translation has stylistic problems at "it is needed".

### Improved English: At the same time, when enjoying financial products and services, be sure to choose authorized institutions and channels and check if related institutions have the qualification for operation.