多选题:商业银行新型业务模式与传统的业务运营模式相比的优点有(  )。

题目内容:
商业银行新型业务模式与传统的业务运营模式相比的优点有(  )。 A.前台营业网点业务操作规范化、工序化
B.实现业务集约化处理
C.实现效率提升
D.可以降低风险防范能力
E.可以大大降低成本

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