2008年的国际金融危机已历时五年,世界经济从快速发展期进入深度转型调整期,我国经济也到了转型发展的关键阶段。商业银行是我国金融体系的主体,经济社会的全面转型不仅离不开商业银行的资金支持,而且必然要求商业银行与之协同转型,作为业内研究机构,交通银行金融研究中心同样在思考面对经济转型阶段,银行应如何转型求变?怎样才能更快、更好地支持,适应经济发展方式的重要转变?只有一方面深刻反思超越发展规 The international financial crisis in 2008 has lasted five years. Since the rapid development of the world economy, the world economy has entered a period of profound restructuring and the economy of our country has also reached a crucial stage of its transformation and development. Commercial banks are the main body of China’s financial system. The all-round economic and social transformation is not only inseparable from the financial support of commercial banks, but also inevitably requires commercial banks to coordinate with them. As an industry research institute, Bank of Communications Financial Research Center is also thinking about facing the economy In the transitional phase, how should banks transform and change? How can we support and adapt to the important changes in economic development faster and better?