The impact on the financial-services industry of these top-down factors will gradually amplify the importance of the bottom-up forces. Over time, this second set of factors will fuel more direct and efficient provision of services to a broader set of consumers, contributing to a reconfiguration of the industry as a whole.
这些自上而下因素对金融服务业的影响将逐渐放大自下而上力量的重要性。假以时日，后一类因素将给更广大的消费者带来更直接、更有效的服务供给，重组整个行业。