请讲英语解释为汉语

credit card loans \ utility expense\ vault cash\ employee benefits \ savings deposits\ service charges on deposits\ undivided profits\ comoercial and industrial loans/ surplus\ real estate loans\ noninterest income\ noninterest expense\ intangible assets\ asset-liability management\ founds management\ common stock \ bank discountrate \ interest rate risk \ gap management\ long-term loans\ investment instruments \ money market \ capital market\ newer financial instruments \

建议百度：在线翻译:结果如下：

信用卡贷款\公用事业费用\库存现金\员工福利\储蓄存款\存款服务费\分割利润\ comoercial和工业贷款/盈余\房地产贷款\非利息收入\非利息费用\无形资产\资产负债管理\ founds管理\普通股\银行贴现率\利率风险\差距管理\长期贷款\投资工具\货币市场\资本市场\新的金融工具\

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