中文：

银行卡作为人们日常生活中常用的支付工具，有时候会收取年费。很多人对此表示不理解，认为银行应该为持卡人提供服务，为什么要收取年费呢？

其实，银行收取年费的原因有很多。首先，银行需要资金来维护自己的运营和提供各项服务。如果银行不收取年费，那么银行就需要通过其他方式来弥补这部分资金，可能会增加其他服务的收费或者降低服务质量。其次，年费也是对持卡人的一种激励。如果持卡人能够充分利用银行卡提供的服务，那么他们就值得支付一定的年费。反过来，如果持卡人没有充分利用银行卡的服务，那么他们就需要承担这部分费用。

当然，为了减轻持卡人的负担，现在很多银行都推出了免年费的银行卡服务。这些银行通过其他方式来弥补年费损失，比如通过收取商户的手续费或者增加信用卡的发行量等。此外，还有一些银行会为持卡人提供一些优惠活动，比如消费返现或者积分兑换等，来吸引客户使用自己的银行卡。

总的来说，银行收取年费的原因主要是为了维护自己的运营和服务质量，同时也是对持卡人的一种激励。虽然现在有很多免年费的银行卡服务，但是持卡人还是需要根据自己的使用情况来选择是否支付年费。

英文：

Bank cards, as a common payment tool in people's daily lives, sometimes charge annual fees. Many people don't understand this and think that the bank should provide services for cardholders, so why do they charge annual fees?

In fact, there are many reasons why banks charge annual fees. Firstly, banks need funds to maintain their operation and provide various services. If the bank does not charge annual fees, then it needs to make up for this funding through other methods, which may increase the fees for other services or reduce service quality. Secondly, annual fees are also an incentive for cardholders. If the cardholder can fully utilize the services provided by the bank card, then they deserve to pay a certain annual fee. On the other hand, if the cardholder does not fully utilize the services of the bank card, then they need to bear this cost.

Of course, in order to reduce the burden on cardholders, many banks now offer bank card services that are free of annual fees. These banks make up for the loss of annual fees through other methods, such as charging merchant fees or increasing credit card issuance. In addition, some banks will offer some preferential activities to attract customers to use their bank cards, such as consumer cash back or points exchange.

Overall, the main reason why banks charge annual fees is to maintain their operational and service quality, as well as to provide an incentive for cardholders. Although there are now many bank card services that are free of annual fees, cardholders still need to choose whether to pay the annual fee based on their usage situation.