什么是银行委贷？

中文版：

银行委贷，即银行委托贷款，是指银行根据客户的委托，将客户的资金以银行自身的名义贷给其他客户的业务。在这个过程中，银行作为中介，不承担贷款风险，只是收取一定的手续费。银行委贷业务对于银行来说，是一种低风险、低收益的资产业务。

银行委贷业务的优点在于，它可以为客户提供更加灵活的融资方式。客户可以将闲置资金委托给银行进行贷款，实现资金的增值；同时，银行也可以通过委贷业务扩大自身的业务范围，增加中间业务收入。

然而，银行委贷业务也存在一定的风险。由于银行只是作为中介，不承担贷款风险，因此，如果借款人违约，银行可能需要承担一定的声誉风险。此外，银行在进行委贷业务时，也需要对借款人的信用状况进行审慎评估，以避免不良贷款的风险。

英文版：

What is Bank Commission Loan?

Bank commission loan, also known as bank-entrusted loan, refers to a business where a bank lends funds entrusted by a client to other clients on behalf of the bank itself. In this process, the bank serves as an intermediary, not bearing the risk of the loan but collecting a certain amount of fees. For banks, bank commission loan business represents a low-risk, low-return asset business.

The advantage of bank commission loan business lies in its ability to provide customers with more flexible financing options. Customers can entrust their idle funds to the bank for lending, realizing capital appreciation. At the same time, banks can also expand their business scope and increase intermediate business income through commission loan business.

However, there are also certain risks associated with bank commission loan business. Since the bank only serves as an intermediary and does not bear the risk of the loan, it may face certain reputational risks if the borrower defaults. Additionally, when engaging in commission loan business, banks need to carefully evaluate the credit status of borrowers to avoid the risk of non-performing loans.