随着现代银行科学文化的发展，现代和未来文明的真正财富，将越来越表现为人们通过创造力的发挥而实现对客观世界的支配。各个学科各个部门的高度分化和综合，新知识的不断涌现，知识更新的空前加快，所有这些，只有具备创造精神才能适应。银行商业化经营中涌现出来的大量新的 With the development of science and culture of modern banks, the true wealth of modern and future civilizations will increasingly manifest itself in the people’s dominance of the objective world through the exertion of creativity. The highly differentiated and integrated sectors in all disciplines, the continuous emergence of new knowledge and the unprecedented acceleration of knowledge renewal, all of which can only be accommodated if they are creative. The emergence of a large number of new commercial banks emerged