“脱媒”（disintermediation）一般是指在进行交易时跳过所有中间人而直接在供需双方间进行。
However,with the fine tuning of the market-based interest rate reform and the financial disintermediation becoming more evident,the net interest margins are still showing a downward trend.
但随着利率市场化改革的完善和金融脱媒的深化,净息差仍呈现下降趋势。
参考来源 - 美国利率市场化改革对银行业的影响·2,447,543篇论文数据，部分数据来源于NoteExpress
脱媒：当一个产品或服务使已有的产业不再必要或多余所发生的情况。
Disintermediation: it is what happens whenever a product or service makes an established industry player unnecessary and redundant.
另一方面，由于我国经济环境的特殊性，金融脱媒表现出一些与西方发达国家金融脱媒不完全一致的特征。
On the other hand, because of particularity of economic environment, disintermediation in China's is not fully consistent with that in western developed.
因特网保留脱媒（饶过媒体公司即可将产品送到顾客手中）以及完全整合（将唱片转成乐曲，将报纸转成文章）的能力。
The internet retains the power to disintermediate (that is, bypass media firms by bringing products straight to consumers) and de-aggregate (turning albums into tracks and newspapers into articles).
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