银行靠什么挣钱：中英文对比阅读

中文版

银行作为金融体系的核心机构，其盈利方式多种多样。那么，银行究竟靠什么挣钱呢？

首先，银行的主要盈利来源是存贷款利差。简单来说，银行通过吸收公众的存款，然后以更高的利率将这些资金贷给企业或个人，从中赚取利差。这是银行最基本的盈利方式，也是其最主要的收入来源。

其次，银行还会通过投资债券、股票等金融产品获得收益。这些投资不仅增加了银行的资产规模，也为银行带来了额外的收入。

此外，银行还提供各种金融服务，如理财、基金、保险等，通过销售这些产品获取手续费和佣金。这些非利息收入也是银行盈利的重要组成部分。

最后，银行还会通过外汇交易、贵金属交易等业务获取收入。这些业务虽然占比较小，但也是银行盈利的补充。

总的来说，银行的盈利来源是多元化的，既包括存贷款利差，也包括投资收益、手续费和佣金等非利息收入。这也是银行能够持续发展的重要保障。

英文版

How Do Banks Make Money: A Comparative Reading in Chinese and English

English Version

Banks, as the core institutions of the financial system, earn their profits through various means. So, what exactly do banks rely on to generate income?

Firstly, the primary source of bank profits is the interest margin between deposits and loans. In simple terms, banks absorb public deposits and then lend these funds to businesses or individuals at a higher interest rate, earning the difference in interest as profit. This is the most basic and significant revenue source for banks.

Secondly, banks also generate income by investing in financial products such as bonds and stocks. These investments not only increase the bank's asset size but also bring additional revenue.

In addition, banks provide various financial services like wealth management, funds, insurance, etc., earning fees and commissions through the sale of these products. These non-interest incomes are also a crucial component of bank profits.

Lastly, banks generate income through foreign exchange transactions, precious metal trading, and other businesses. While these businesses contribute a smaller portion, they serve as a supplementary source of income for banks.

Overall, banks have diversified sources of income, including the interest margin between deposits and loans, as well as non-interest incomes like investment returns, fees, and commissions. This多样化的收入来源 is what ensures the sustainable development of banks.