中文：

跨行存款是指将资金存入非开户银行的账户中。虽然跨行存款能够方便客户在不同银行之间进行资金调配，减少不必要的转账手续，但是目前国内各大银行并没有开通跨行存款业务。那么，为什么不能跨行存款呢？

首先，跨行存款业务会增加银行的运营成本。由于不同银行间的存款利率和运营成本存在差异，如果允许客户在任意银行之间自由调配资金，银行就需要花费更多的成本去平衡这些差异。因此，银行需要设置专门的部门和人员来处理跨行存款业务，从而增加银行的运营成本。

其次，跨行存款业务会带来额外的风险。如果允许客户在任意银行之间自由调配资金，就可能会出现客户在多家银行开设账户的情况，这样就会增加客户的风险敞口。同时，跨行存款业务也会涉及到不同银行间的沟通和协调问题，如果出现问题，就可能会影响到客户的资金安全。

最后，跨行存款业务还会对银行的客户关系管理造成影响。如果客户可以在多家银行开设账户，就可能会出现客户对银行的忠诚度下降的情况。同时，跨行存款业务也会导致银行间的竞争加剧，不利于银行的长期发展。

因此，虽然跨行存款业务具有一些便利性，但是由于会增加银行的运营成本、带来额外的风险、影响银行的客户关系管理等问题，目前国内各大银行并没有开通跨行存款业务。

英文：

Inter-bank deposit refers to depositing funds into non-accounting bank accounts. Although inter-bank deposit can facilitate customers to allocate funds among different banks and reduce unnecessary transfer procedures, major domestic banks do not offer inter-bank deposit business at present. So, why can't we deposit money across different banks?

Firstly, inter-bank deposit business will increase the operational costs of banks. Due to the differences in deposit rates and operational costs among different banks, if customers are allowed to transfer funds freely between any two banks, banks will need to spend more costs to balance these differences. Therefore, banks need to set up dedicated departments and staff to handle inter-bank deposit business, thereby increasing the operational costs of banks.

Secondly, inter-bank deposit business will bring additional risks. If customers are allowed to open accounts in multiple banks, they may increase their risk exposure. At the same time, inter-bank deposit business will also involve issues of communication and coordination between different banks. If problems occur, they may affect the safety of customers' funds.

Finally, inter-bank deposit business will also affect the customer relationship management of banks. If customers can open accounts in multiple banks, it may decrease customer loyalty to the bank. At the same time, inter-bank deposit business will also lead to increased competition among banks, which is not beneficial for the long-term development of the bank.

Therefore, due to the reasons such as increasing operational costs of banks, bringing additional risks, and affecting customer relationship management, major domestic banks do not offer inter-bank deposit business.