与新零售背道而驰，又回到以前的供销合作社时代。
With the new retail runs counter to, and back to the previous supply and marketing cooperatives era.
信用社确实含有较强的零售业投票权，同时还有提升盈利的空间：由来自美国银行的美林提供到，超过24,000个信用合作社分支的网络有可能缩减到20%。
Cajas do have strong retail franchises and room to improve profitability: a bloated network of over 24,000 branches could eventually shrink by 20%, according to Bank of America Merrill Lynch.
信用社确实含有较强的零售业投票权，同时还有提升盈利的空间：由来自美国银行的美林提供到，超过24,000个信用合作社分支的网络有可能缩减到20%。
Cajas do have strong retail franchises and room to improve profitability: a bloated network of over 24,000 branches could eventually shrink by 20%, according to Bank of America Merrill Lynch.
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