投资银行：定义与角色

中文段落：

投资银行，不同于传统意义上的商业银行，其核心业务是提供资本市场服务，包括但不限于证券承销与交易、企业并购、资产管理、项目融资以及金融咨询等。这些银行并不直接参与存款和贷款的日常银行业务，而是作为金融市场中的中介，为企业和投资者搭建沟通的桥梁。

投资银行在企业融资方面发挥着关键作用。例如，当企业需要筹集资金进行扩张或运营时，投资银行可以作为顾问，帮助企业制定最佳的融资策略，如发行股票或债券。此外，投资银行还常常参与并购活动，协助企业完成复杂的交易，如确定交易结构、进行价值评估和协商交易条款。

除了企业融资和并购服务外，投资银行还为高净值个人和机构投资者提供资产管理服务。这些服务可能包括投资组合管理、财富规划、风险管理等，旨在帮助投资者实现财富增值和保值。

在金融市场中，投资银行扮演着信息中介的角色。它们拥有广泛的市场信息和专业知识，能够为投资者提供准确的市场分析和投资建议，帮助投资者做出明智的投资决策。

English Paragraph:

Investment banks, distinct from traditional commercial banks, specialize in providing capital market services, including but not limited to securities underwriting and trading, mergers and acquisitions, asset management, project financing, and financial consulting. These banks do not engage in the daily banking activities of deposit-taking and lending but instead act as intermediaries in financial markets, bridging the gap between companies and investors.

Investment banks play a pivotal role in corporate finance. For instance, when a company needs to raise funds for expansion or operations, an investment bank can act as a consultant, assisting the company in devising the optimal financing strategy, such as issuing stocks or bonds. Additionally, investment banks often participate in mergers and acquisitions, facilitating complex transactions for companies, including determining transaction structures, conducting valuation assessments, and negotiating deal terms.

Beyond corporate finance and M&A services, investment banks also offer asset management services to high-net-worth individuals and institutional investors. These services may encompass portfolio management, wealth planning, risk management, among others, aiming to assist investors in achieving wealth growth and preservation.

In financial markets, investment banks serve as information intermediaries. They possess extensive market intelligence and expertise, providing investors with accurate market analysis and investment advice, thereby aiding investors in making informed investment decisions.