商业银行与投资银行的差异

中文段落：

商业银行与投资银行在金融领域中各自扮演着不同的角色。简单来说，商业银行主要关注传统的银行业务，如存款、贷款、汇款等，而投资银行则更侧重于资本市场活动，如股票发行、并购、债券发行等。

商业银行的核心是吸收公众存款，并为企业和个人提供贷款服务。它们也提供一系列的日常银行服务，如账户管理、支付和结算等。此外，商业银行还进行货币市场操作，如外汇交易和政府债券交易，以管理其流动性和风险。

相比之下，投资银行不直接吸收公众存款，而是专注于资本市场和证券业务。它们的主要活动是帮助公司筹集资金，通过发行股票或债券等方式，同时也提供并购咨询、股票交易和资产管理等服务。投资银行还专注于复杂的金融衍生产品，如对冲基金、私募股权和结构性融资等。

英文段落：

Commercial banks and investment banks play distinct roles in the financial landscape. Put simply, commercial banks focus on traditional banking activities such as deposits, loans, and remittances, while investment banks are more inclined towards capital market activities like equity issuance, mergers and acquisitions, bond issuance, and the like.

The core of commercial banking lies in absorbing public deposits and providing loan services to businesses and individuals. They also offer a range of daily banking services such as account management, payments, and settlements. Additionally, commercial banks engage in money market operations like foreign exchange trading and government bond trading to manage their liquidity and risk.

In contrast, investment banks do not directly absorb public deposits but specialize in capital markets and securities-related activities. Their primary activities involve helping companies raise funds through equity or bond issuance, providing advisory services for mergers and acquisitions, stock trading, asset management, and more. Investment banks also delve into complex financial derivatives like hedge funds, private equity, and structured finance.