【中文版】

结息是指利息的实际收益，是银行向客户支付的利息。银行会根据存款类型、存款金额、存款期限等因素向客户支付不同的利息，而结息就是对利息的总结和实际支付。

结息分为日结息、月结息、年结息等多种形式，根据不同的存款类型和银行规定而有所不同。日结息是指银行每天根据客户的存款类型和存款金额计算利息，并在当天向客户支付。月结息是指银行每月根据客户的存款类型和存款金额计算利息，并在下个月初向客户支付。年结息是指银行每年根据客户的存款类型和存款金额计算利息，并在下一年初向客户支付。

结息是银行收益的重要来源之一，同时也是客户获取投资回报的一种方式。对于客户来说，选择不同的存款类型和存款金额会对自己的结息产生不同的影响。因此，客户在选择存款时需要根据自己的投资目标和风险承受能力做出明智的决策。

总的来说，结息是银行和客户之间的一种资金交易关系，是银行向客户提供的一种金融服务。对于客户来说，了解结息的计算方式和影响因素有助于做出更明智的投资决策。

【英文版】

Interest payment refers to the actual return of interest, which is the interest paid by the bank to the customer. The bank will pay different interest rates to the customer based on the type of deposit, amount of deposit, and term of deposit. Interest payment is the summary and actual payment of interest.

Interest payment is divided into daily interest payment, monthly interest payment, annual interest payment and other forms, which vary depending on the type of deposit and bank regulations. Daily interest payment means that the bank calculates the interest on the basis of the customer's deposit type and amount every day and pays it to the customer on the same day. Monthly interest payment means that the bank calculates the interest on the basis of the customer's deposit type and amount every month and pays it to the customer at the beginning of the next month. Annual interest payment means that the bank calculates the interest on the basis of the customer's deposit type and amount every year and pays it to the customer at the beginning of the next year.

Interest payment is one of the important sources of bank income and a way for customers to obtain investment returns. For customers, choosing different types of deposits and deposit amounts will have a different impact on their interest payments. Therefore, customers need to make informed decisions based on their investment goals and risk tolerance when choosing deposits.

In general, interest payment is a financial transaction relationship between the bank and the customer, which is a financial service provided by the bank to the customer. For customers, understanding the calculation methods and influencing factors of interest payment can help make more informed investment decisions.