银行中间业务概览

中文

银行中间业务是指银行在资产业务和负债业务的基础上，利用技术、信息、机构网络、资金和信誉等方面的优势，不运用或较少运用银行的自有资金，以中间人的身份替客户办理收付、咨询、代理、担保、租赁和其他委托事项，提供各类金融服务并收取一定费用的经营活动。这些业务主要包括：

结算与清算业务：银行为客户办理因商品交易、劳务供应、资金调拨等引发的货币收付、往来划转及资金清算的业务。

代理业务：银行代理客户办理收款、付款和其他委托事项，如代理收付款项、代理融通、代理发行与兑付债券等。

担保业务：银行为客户债务清偿能力提供担保，如银行保函、备用信用证等。

租赁业务：银行作为出租人，将特定资产的使用权交给承租人使用，承租人支付租金，如设备租赁、飞机租赁等。

咨询业务：银行为客户提供金融咨询、经济咨询、财务顾问等服务。

其他中间业务：如保管箱业务、信用卡业务、电子银行业务等。

银行中间业务不仅为银行带来了非利息收入，还增强了银行与客户的联系，提升了银行的综合服务能力。

英文

Banking intermediary services refer to the operational activities where banks, leveraging their advantages in technology, information, institutional networks, funds, and reputation, act as intermediaries to handle payments, consultations, agency services, guarantees, leases, and other entrusted matters for clients, providing various financial services and collecting certain fees. These services primarily include:

Settlement and Clearing Services: Banks handle currency receipts and payments, transfers, and fund clearing resulting from commodity transactions, service provision, fund transfers, and other transactions on behalf of their clients.

Agency Services: Banks act as agents for clients to handle collections, payments, and other entrusted matters, such as agency receipts and payments, factoring, bond issuance and redemption, among others.

Guarantee Services: Banks provide guarantees for their clients' debt repayment capabilities, such as bank guarantees and standby letters of credit.

Leasing Services: Banks, as lessors, transfer the usage rights of specific assets to lessees for a fee, such as equipment leasing and aircraft leasing.

Consulting Services: Banks provide financial, economic, and financial advisory services to their clients.

Other Intermediary Services: Services such as safe deposit boxes, credit card operations, and electronic banking services.

Banking intermediary services not only generate non-interest income for banks but also strengthen their relationships with clients and enhance their comprehensive service capabilities.