首先，该定义明确了用来交换的不局限于有形产品(货物)，而且可以也包括观念和服务。

First, it makes it clear what is to be exchanged is not restricted to tangible products (goods) but can include concepts and services as well.

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den等但以有形资产估算值的52%买到这样一家有实力的金融服务公司的股票，这样的机会非常难得。

But it's rare that you can buy a great financial services franchise for 52% of the company's estimate of its tangible value.

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因此，即便拥有形式规定的保证，但对于穷人获得银行服务，印度银行体系也还是失效了。

In much of the countryside, usurious moneylenders still hold sway. So, even in its own terms of ensuring that India's poor have access to banking services, the system does not work.

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