银行中收依靠什么

银行中间业务收入（简称“中收”）是银行除利息收入之外的其他营业收入，包括手续费收入、佣金收入等。中收已经成为银行重要的收入来源之一，对于银行的盈利能力和业务发展具有重要意义。

银行中收主要依靠以下几个方面：

银行卡业务：银行卡业务是银行中收的重要组成部分，包括信用卡、借记卡等。通过发行银行卡，银行可以收取卡片制作费、交易手续费等。

资产托管业务：资产托管业务是指银行为各类机构或个人提供资产保管、投资清算、资金划拨等服务。在这个过程中，银行可以收取托管费、清算费等费用。

代理业务：代理业务是指银行代理其他机构或个人进行资金划拨、交易等业务。在这个过程中，银行可以收取代理手续费、代销手续费等费用。

投资银行业务：投资银行业务是指银行为企业或个人提供证券承销、并购顾问、债券发行等服务。在这个过程中，银行可以收取承销费、顾问费等费用。

其他业务：除了以上几个方面，银行还可以通过其他方式获取中收，如信用评估费、担保费等。

英文中，“银行中收依靠什么”可以翻译为“What relies on the bank’s intermediate income?”。在英文环境下，银行中收主要依靠以下几个方面：

Bank card business：Bank card business is an important component of bank intermediate income, including credit cards, debit cards, etc. By issuing bank cards, banks can charge card production fees, transaction fees, etc.

Asset custody business：Asset custody business refers to the services provided by banks to various institutions or individuals for asset safekeeping, investment liquidation, fund transfer, etc. In this process, banks can charge custody fees, liquidation fees, etc.

Agent business：Agent business refers to the services provided by banks to other institutions or individuals for fund transfer, trading, etc. In this process, banks can charge agency fees, selling fees, etc.

Investment banking business：Investment banking business refers to the services provided by banks to enterprises or individuals for securities underwriting, M&A advising, bond issuance, etc. In this process, banks can charge underwriting fees, consulting fees, etc.

Other businesses：Besides the above aspects, banks can also obtain intermediate income through other ways, such as credit evaluation fees, guarantee fees, etc.

In conclusion, both in Chinese and English environments, the main sources of bank intermediate income are similar, including bank card business, asset custody business, agent business, investment banking business, etc. Understanding the main sources of bank intermediate income can help us better understand the business model and profitability of banks.