2015考研英语阅读中国的利率
<p> <span word="Interest">Interest</span> <span word="rates">rates</span> <span word="in">in</span> <span word="China">China</span></p><p> 中国的利率</p><p> <span word="A">A</span> <span word="small">small</span> <span word="step">step</span> <span word="forward">forward</span></p><p> 向前一小步</p><p> <span word="Chinas">Chinas</span> <span word="central">central</span> <span word="bank">bank</span> <span word="has">has</span> <span word="liberalised">liberalised</span> <span word="lending">lending</span> <span word="rates">rates</span>.<span word="Does">Does</span> <span word="it">it</span> <span word="matter">matter</span>?</p><p> 中国的央行放开了借贷利率，这有用吗?</p><p> <span word="NOBODY">NOBODY</span> <span word="can">can</span> <span word="accuse">accuse</span> <span word="the">the</span> <span word="Peoples">Peoples</span> <span word="Bank">Bank</span> <span word="of">of</span> <span word="China">China</span> , <span word="Chinas">Chinas</span> <span word="central">central</span> <span word="bank">bank</span>, <span word="of">of</span> <span word="beinggun">beinggun</span>-<span word="shy">shy</span>. <span word="A">A</span> <span word="few">few</span> <span word="weeks">weeks</span> <span word="ago">ago</span> <span word="its">its</span> <span word="clumsy">clumsy</span> <span word="attempt">attempt</span> <span word="to">to</span> <span word="restrain">restrain</span> <span word="dodgier">dodgier</span> <span word="forms">forms</span> <span word="of">of</span> <span word="bank">bank</span> <span word="lending">lending</span> <span word="ledto">ledto</span> <span word="a">a</span> <span word="bout">bout</span> <span word="of">of</span> <span word="market">market</span> <span word="panic">panic</span>. <span word="Many">Many</span> <span word="said">said</span> <span word="the">the</span> <span word="episode">episode</span> <span word="would">would</span> <span word="chill">chill</span> <span word="enthusiasm">enthusiasm</span> <span word="for">for</span> <span word="furtherexperimentation">furtherexperimentation</span>.</p><p> 没人能指责作为中国央行的中国人民银行行动慎重。几周之前，央行笨拙地试探了收紧银行贷款，这引起了市场的一阵恐慌。许多人表示这会降低进一步作出改革的热情。</p><p> <span word="But">But</span> <span word="on">on</span> <span word="July">July</span> 20<span word="th">th</span> <span word="the">the</span> <span word="PBOC">PBOC</span> <span word="experimented">experimented</span> <span word="again">again</span>. <span word="On">On</span> <span word="that">that</span> <span word="day">day</span> <span word="the">the</span> <span word="central">central</span> <span word="bank">bank</span> <span word="ended">ended</span> <span word="allrestrictions">allrestrictions</span> <span word="on">on</span> <span word="lending">lending</span> <span word="rates">rates</span>, <span word="which">which</span> <span word="previously">previously</span> <span word="had">had</span> <span word="a">a</span> <span word="floor">floor</span> <span word="of">of</span> 70% <span word="of">of</span> <span word="the">the</span> <span word="PBOC">PBOC</span> <span word="benchmarkrate">benchmarkrate</span>. <span word="Banks">Banks</span> <span word="are">are</span> <span word="now">now</span> <span word="free">free</span> <span word="to">to</span> <span word="set">set</span> <span word="lending">lending</span> <span word="rates">rates</span> <span word="at">at</span> <span word="anylevel">anylevel</span> <span word="they">they</span> <span word="want">want</span>.</p><p> 但是在7月20日的时候，中国人民银行又做出了改革。当天，央行放开了借贷利率的限制，之前的标准是借贷利率不得低于央行标准额的0.7倍。现在银行可以自由设定贷款利率了。对住房抵押贷款的人来说是好消息。</p><p> <span word="In">In</span> <span word="truth">truth</span>, <span word="the">the</span> <span word="measure">measure</span> <span word="is">is</span> <span word="less">less</span> <span word="bold">bold</span> <span word="than">than</span> <span word="it">it</span> <span word="appears">appears</span>. <span word="The">The</span> <span word="interest">interest</span>-<span word="rate">rate</span> <span word="reform">reform</span> <span word="that">that</span> <span word="everyone">everyone</span> <span word="iswaiting">iswaiting</span> <span word="for">for</span> <span word="is">is</span> <span word="liberalisation">liberalisation</span> <span word="of">of</span> <span word="deposit">deposit</span> <span word="rates">rates</span>. <span word="Chinas">Chinas</span> <span word="policy">policy</span> <span word="of">of</span> <span word="financial">financial</span> <span word="repression">repression</span> <span word="has">has</span> <span word="cappedthe">cappedthe</span> <span word="rate">rate</span> <span word="that">that</span> <span word="banks">banks</span> <span word="can">can</span> <span word="pay">pay</span> <span word="depositors">depositors</span>, <span word="even">even</span> <span word="as">as</span> <span word="it">it</span> <span word="put">put</span> <span word="a">a</span> <span word="floor">floor</span> <span word="on">on</span> <span word="the">the</span> <span word="rate">rate</span> <span word="at">at</span> <span word="which">which</span> <span word="they">they</span> <span word="mustlend">mustlend</span>. <span word="That">That</span> <span word="has">has</span> <span word="guaranteed">guaranteed</span> <span word="fat">fat</span> <span word="profits">profits</span> <span word="for">for</span> <span word="the">the</span> <span word="big">big</span> <span word="state">state</span> <span word="banks">banks</span>, <span word="like">like</span> <span word="Bank">Bank</span> <span word="of">of</span> <span word="China">China</span> <span word="and">and</span> <span word="theIndustrial">theIndustrial</span> <span word="and">and</span> <span word="Commercial">Commercial</span> <span word="Bank">Bank</span> <span word="of">of</span> <span word="China">China</span>, <span word="that">that</span> <span word="dominate">dominate</span> <span word="the">the</span> <span word="financial">financial</span> <span word="system">system</span>.</p>
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