中文：

银行结息是指银行在特定时间段内对您的账户余额进行利息结算。简单来说，就是银行根据您在该时间段内的存款、取款和账户余额等数据，计算出应支付给您的利息金额。

银行结息通常按照季度进行，每个季度末的21日左右会进行利息结算，并将利息支付给您。这个日期是固定的，您可以提前了解并做好准备。

银行结息的利息计算方式会根据不同的存款类型和存款金额而有所不同。一般来说，存款时间越长，利率越高，获得的利息也就越多。同时，如果您的账户余额不足，银行可能会收取一定的费用。

银行结息的意义在于，可以让您了解自己在特定时间段内的投资回报情况，以便更好地规划自己的资金和投资计划。同时，也可以帮助您及时掌握自己的资金状况，避免账户余额不足带来的不便。

英文：

Bank interest settlement refers to the bank's calculation and payment of interest to your account balance for a specific period of time. In simple terms, the bank calculates the interest amount payable to you based on your account balance, deposits, withdrawals, and other data for that period of time.

Bank interest settlement is usually carried out quarterly, and the interest is settled and paid to you around the 21st of each quarter. This date is fixed, so you can prepare in advance.

The interest calculation method for bank interest settlement varies depending on the type of deposit and the amount of deposit. Generally speaking, the longer the deposit time, the higher the interest rate, and the more interest you will receive. At the same time, if your account balance is insufficient, the bank may charge a certain fee.

The significance of bank interest settlement lies in allowing you to understand your investment returns for a specific period of time, so as to better plan your funds and investment plans. It can also help you keep track of your financial situation in a timely manner and avoid any inconvenience caused by an insufficient account balance.