本文件规定了如何描述银行产品或服务（BPO）的特征 从客户的角度来看。 BPO的特征可以从不同的方面观察到，这些方面被称为关键要素，它们被划分为 分为三组:必选、可选或自愿要素。本文件详细阐述了目的， 所需和可选关键要素的内容和描述方法。 本文件描述了六个符合性级别，旨在让客户 评估BPO中关键要素的覆盖率。表示关键元素的逻辑和物理格式 也定义了。本文件不包括BPO本身的要求以及任何 关键元素不在范围内。 本文件指导BPO供应商描述其产品或服务，旨在 帮助客户理解或比较特定的BPO。它不适用于描述证券或 保险相关产品或服务。BPO可以由银行和其他机构发行。购买本文件时可获得的所有当前修订均包含在购买本文件中。

This document specifies how to describe the characteristics of banking products or services (BPoS) from a customer's perspective. Characteristics of a BPoS can be observed from different facets, called key elements, which are divided into three groups: required, optional or voluntary elements. This document elaborates on the purpose, content and description approach for the required and optional key elements. Six levels of conformity are described in this document which are intended to allow a customer to assess the coverage of key elements in a BPoS. The logical and physical formats to express key elements are also defined. This document excludes requirements of a BPoS itself and specific value ranges of any key element are out of the scope. This document guides the provider of BPoS in describing their products or services with the intent to help customers understand or compare specific BPoS. It is not applicable to describing securities or insurance-related products or services. BPoS can be issued by banks and other institutions.All current amendments available at time of purchase are included with the purchase of this document.