世纪之交,曾有人预言商业银行将成为21世纪的恐龙,会在金融脱媒和网络技术的双重挤压下走向灭亡。可是10多年时间过去了,商业银行模式不仅没有没落,反而进一步确立了在金融业中的主导地位。全球经济“五低四高”发源于10年前的全球经济危机,其 At the turn of the century, some people predicted that commercial banks will become dinosaurs in the 21st century and will perish with the dual squeeze of financial disintermediation and network technology. However, more than 10 years have passed, and the mode of commercial banks has not only failed to decline, but has further established its dominance in the financial industry. The global economy “five four high ” originated in the global economic crisis 10 years ago, its