But since about 1980 there has been an ongoing trend for disintermediation, where large and creditworthy companies have found they effectively have to pay out less interest if they borrow directly from capital markets rather than from banks.
No, otprilike od 1980 godine postoji stalni trend disintermedijacije, gdje su velike i kreditno sposobne tvrtke otkrile da moraju platiti manje kamate ako se posuđuju izravno s tržišta kapitala, a ne od banaka.