相对而言，国有银行太大，新兴银行太小，缺少大小适度的中等银行过渡，致使整个行业呈现出头重脚轻、两级分化的市场结构特征。

The lack of the medium-sized banks to transit from the overlarge state-run banks to too small-sized new banks resulted in the top-heaviness and polarization of the bank market structure.

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肯尼亚有大量的年轻人，包括那些从商的年轻人，可以说他们会为了避免民族两级分化而不惜誓死一战。

There are plenty of younger Kenyans, including those in business, who are desperate to avoid tribal polarisation.

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陆瀚恒说：“这儿学生的年龄从18到50多不等，学生的学术水平也是两级分化严重。

"There is a wide age spectrum among students, from 18 to over 50, " said Lu. "The students' academic levels are also polarized.

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陆瀚恒说：“这儿学生的年龄从18到50多不等，学生的学术水平也是两级分化严重。

"There is a wide age spectrum among students, from 18 to over 50, " said Lu. "The students' academic levels are also polarized.

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