### 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, formal institutions and channels should <v>also</v> be selected, and attention should be paid to checking whether relevant institutions have business qualifications.

### 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.
