本文件规定了如何从客户的角度描述银行产品或服务（BPO）的特征。 BPO的特征可以从不同的方面观察，这些方面被称为关键要素，分为三组:必需要素、可选要素或自愿要素。本文件详细说明了所需和可选关键要素的目的、内容和描述方法。 本文件描述了六个合规级别，旨在让客户评估BPO中关键要素的覆盖范围。 还定义了表示关键元素的逻辑和物理格式。本文件不包括BPO本身的要求，任何关键要素的具体值范围不在范围内。 本文件指导BPO供应商描述其产品或服务，以帮助客户理解或比较特定的BPO。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。

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.