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。

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.

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咨询公司IMS Health的Gordon Carey也指出，在药品津贴管理企业用邮购分流掉许多药品零售业务，象CVS那样的药店已经遭受许多损失。

Gordon Carey of IMS Health, a consultancy, also points out that pharmacies like CVS have suffered much as PBMs have diverted retail drugs traffic to mail-order.

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本文是对我国商业银行零售业务中存在的风险及风险管理问题进行研究，并针对存在的问题提出解决办法和对策。

On the study of the risks and risk control problem existing in the retail services of the commercial Banks in China, this thesis puts forward some countermeasures.

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