2015考研英语阅读中国的利率_大学英语阅读

2015考研英语阅读中国的利率

　　事实上，这个措施没有看起来那么大胆。人们想要的利率改革是存款利率的放开。中国的金融压制政策限定了银行给存款者的最高利率，正如也设定了贷款利率一样。这个政策保证了大型国有银行，例如中国银行，中国工商银行的丰厚利润，同时他们也主导了金融体系。

　　The liberalisation of lending rates may be a half-measure, but officials still hope it willincrease competition among banks and spur lending to the corporate sector, especially toprivate firms that have long been starved of capital. Sceptics point out that the PBOC movedthe floor for the lending rate from 90% of its benchmark to 70% a year ago, but Chinesebanks did not rush to lend below the 90% mark. That suggests they are unlikely to cut ratesnow.

　　放开贷款利率只算是半个措施。但是官方依然希望这会增加银行间的竞争，促进资金流向企业部门，尤其是长期缺乏资金的私人公司。怀疑者指出一年前中国人民银行将贷款利率的下限由基准利率的90%下调到70%，而中国的银行并没有马上做出调整。那意味着银行并不想马上下调利率。

　　A rival view argues that borrowers with strong bargaining power, such as big state-ownedenterprises , will now be emboldened to push the big banks for cheaper loans. Somesuggest that non-performing loans at SOEs may be rolled over at negligible interest rates,disguising what is, in effect, a state bail-out.