【中文版】

银行自营资金是指银行以自己的名义和资金进行投资和交易，以获取利润和资本回报。这些投资和交易包括但不限于股票、债券、基金、外汇等金融市场产品。

银行自营资金通常分为两大部分：一部分是银行自有资金，即银行股东的资本金和利润留存等；另一部分是银行筹集的资金，如通过发行债券、向央行借款、吸收存款等方式筹集的资金。

银行自营资金具有较高的风险和回报。银行在进行投资和交易时，需要承担市场风险、信用风险和流动性风险等。同时，如果投资成功，银行也可以获得较高的利润和资本回报。

银行自营资金对于银行的经营和发展具有重要意义。通过自营资金，银行可以扩大自己的资产规模，提高市场份额和盈利能力。同时，自营资金也可以提高银行的资本充足率，增强银行的抗风险能力。

【英文版】

Bank's self-operated funds refer to the investments and transactions conducted by banks in the name and with their own funds to obtain profits and capital returns. These investments and transactions include but are not limited to financial market products such as stocks, bonds, funds, foreign exchange, etc.

Bank's self-operated funds are usually divided into two parts: one part is the bank's own funds, namely the capital and profit retention of bank shareholders; the other part is the funds raised by the bank, such as funds raised through bond issuance, central bank loans, deposits, etc.

Bank's self-operated funds have high risks and returns. When making investments and transactions, banks need to bear market risks, credit risks, and liquidity risks. At the same time, if the investment is successful, banks can also obtain high profits and capital returns.

Bank's self-operated funds have great significance for the operation and development of banks. Through self-operated funds, banks can expand their asset scale, increase market share and profitability. At the same time, self-operated funds can also improve the bank's capital adequacy ratio and enhance the bank's anti-risk ability.