国内外金融环境继续呈现复杂化趋势,美国次贷危机蔓延、国内经济增速减缓、降息、存款定期化等均对商业银行业绩产生实质性不利影响。银行业在08年以后业绩增速开始逐季放慢,这可能也预示着行业拐点的平缓到来。 The financial environment both at home and abroad continued to show a complicated trend. The spread of the subprime mortgage crisis in the United States, the slowdown of the domestic economic growth, the interest rate cut and the regularity of deposits have all had a substantial adverse effect on the performance of commercial banks. Banking growth slowed season by quarter after 2008, which may also indicate the gradual arrival of the industry turning point.