银行中间业务包括什么？

中文版

银行中间业务是指银行除了存贷款业务以外的其他业务，主要包括结算与清算业务、代理业务、担保业务、承诺业务、金融衍生工具交易业务以及咨询和理财业务等。这些业务不直接涉及银行的资产和负债，而是为银行提供收入的非利息业务。

结算与清算业务是银行为客户提供的资金转移服务，如汇款、托收等。代理业务则是指银行代表客户进行的各种金融交易活动，如代理证券买卖、代理保险等。担保业务是银行为客户提供担保服务，如保函、备用信用证等。承诺业务是银行对未来某一特定事件或行为的承诺，如贷款承诺、票据承兑等。

金融衍生工具交易业务是银行利用金融衍生工具进行的交易活动，如远期合约、期货合约、期权合约和互换合约等。咨询和理财业务则是银行为客户提供专业的金融咨询和理财服务，如财务规划、投资建议等。

银行中间业务的发展对于银行增加非利息收入、分散风险、提高服务水平和客户满意度具有重要意义。同时，随着金融市场的不断发展和金融创新的不断涌现，银行中间业务也在不断扩展和深化。

英文版

What Are the Intermediate Business Activities of a Bank?

The intermediate business activities of a bank refer to services other than deposit and loan operations, encompassing settlement and clearing services, agency services, guaranty services, commitment services, trading in financial derivatives, as well as consulting and financial planning services. These activities do not directly involve the bank's assets and liabilities but rather generate non-interest income for the bank.

Settlement and clearing services involve the transfer of funds for customers, such as remittances and collections. Agency services refer to various financial transactions conducted by the bank on behalf of customers, such as securities trading and insurance agency. Guaranty services involve the bank providing guarantees for customers, such as letters of guarantee and standby letters of credit. Commitment services refer to the bank's commitments related to future events or actions, such as loan commitments and acceptance of bills.

Trading in financial derivatives involves the bank engaging in transactions using derivative instruments, such as forward contracts, futures contracts, options contracts, and swaps. Consulting and financial planning services refer to professional financial advice and planning services provided by the bank to customers, such as financial planning and investment advice.

The development of intermediate business activities is crucial for banks to increase non-interest income, diversify risks, enhance service levels, and improve customer satisfaction. As financial markets continue to evolve and financial innovations emerge, the scope and depth of intermediate business activities are constantly expanding and deepening.