A hint that it might not was implied in some management changes earlier this month: commercial and retail banking were split so that Barclays' retail banking is now a distinct global unit.

本月初某些管理方式的变化暗示，答案是否定的：商业银行业务同零售银行业务分离，使得巴克莱零售业务如今成为独立性的全球业务部门。

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The success of western commercial Banks in global retail banking market is not overnight, and they also went through a difficult transformation.

西方商业银行在全球零售银行业务市场的成功并不是一蹴而就的，它们同样经历了一场艰难的变革。

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In America retail and commercial banking generate revenues of some $750 billion a year, or just over 20% of total global banking revenue, according to Novantas, a consulting firm.

根据咨询公司诺瓦塔斯（Novantas）的说法，美国的零售银行业与商业银行业每年创造出大约7500亿美元的收入，或者刚刚超过全球银行业总收入的20%。

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This complex tie extends to commercial banking, where ICBC and other state entities have attracted private global capital even absent much evidence that their loan desks are improved from when they ran up bum credits currying official favor.

FORBES: Economic MADness