在最简单的模式下，银行可以委托一家店主或者移动电话经销商作为代理，负责存取款业务。

In its simplest form, a bank could appoint someone like a shopkeeper or mobile-airtime reseller as an agent who collects deposits and pays out withdrawals.

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瑞信早就调整了业务模式，缩减了杠杆、降低了风险、退出了波动性强的资本密集型业务，将重点集中在委托业务方面。

Credit Suisse was early to adapt its business model by cutting leverage, reducing risk, exiting volatile and capital-intensive businesses and focusing on client business.

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