【中文版】

银行委托贷款是指银行接受客户的委托，按照客户的指示和要求，向指定的借款人发放贷款，并由客户承担贷款风险的一种金融业务。那么，为什么要进行银行委托贷款呢？

首先，银行委托贷款可以帮助客户实现资金的有效利用。对于一些拥有闲置资金的人来说，将资金存入银行定期存款或者购买理财产品，收益较低，不能满足其资产增值的需求。而通过银行委托贷款，客户可以将资金贷给需要资金的企业或个人，获得较高的利息收益，同时承担一定的风险。

其次，银行委托贷款可以帮助借款人解决融资问题。对于一些难以从银行获得贷款的企业或个人来说，通过银行委托贷款可以获得所需的资金支持，实现其经营或消费的需求。

最后，银行委托贷款可以帮助银行拓展业务范围。通过提供委托贷款服务，银行可以吸引更多的客户，扩大业务规模，提高市场份额。同时，委托贷款业务的收益较高，可以为银行带来更多的利润。

总之，银行委托贷款是一种具有较高收益和较低风险的金融业务，可以为银行和客户带来更多的好处。但是需要注意的是，委托贷款业务存在一定的风险和不确定性，需要客户和银行在操作中谨慎评估和决策。

【英文版】

Bank entrusted loan refers to a financial service where the bank accepts the client's instructions and requirements to loan to the designated borrower according to the client's requirements, and the client bears the loan risk. So, why do bank entrusted loans?

Firstly, bank entrusted loans can help clients achieve effective utilization of funds. For individuals with idle funds, placing funds in bank fixed deposits or purchasing financial products has low returns and cannot meet their needs for asset appreciation. Through bank entrusted loans, clients can loan their funds to companies or individuals in need of funds to obtain higher interest income and bear some risks.

Secondly, bank entrusted loans can help borrowers solve their financing problems. For companies or individuals that are difficult to obtain loans from banks, they can obtain necessary capital support through bank entrusted loans to meet their business or consumption needs.

Finally, bank entrusted loans can help banks expand business scope. By providing entrusted loan services, banks can attract more clients, expand business scale, and increase market share. At the same time, the income of entrusted loan business is relatively high, which can bring more profits to the bank.

In summary, bank entrusted loans are a kind of financial service with high returns and low risks, which can bring more benefits to banks and clients. However, it should be noted that there are certain risks and uncertainties in the operation of entrusted loan business, which require clients and banks to carefully evaluate and make decisions.