Because of working on the retail banking in the commercial bank, the writer not only feels the development of the retail banking, but also feels the advantages and disadvantages of the retail banking.

• 笔者在从事零售银行业务的具体工作中，不仅感受到零售银行业务的变化发展，也感受到零售银行业务运作过程中的长处和劣势。