Meanwhile, a daft law bans Banks from pricing loans at more than 150% of the base rate and this has all but stopped lending.

与此同时，一项愚蠢的法律禁止银行自定的贷款利率高于基础利率150%，这几乎使得贷款停滞。

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And then the article put forward the lending rate pricing model based on the Maximum principle, which is in the framework of the principal-agent, which lead to a series of credit control strategies.

利用极大值原理，在委托-代理的框架下，提出了贷款利率的定价模型，借以缓解房地产信贷中的信息不对称问题。

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China's benchmark lending rate is at an all-time low of 4.35 per cent for one-year loans, and interest rate deregulation has forced lenders to compete on deposit and loan pricing.

中国的基准贷款利率正处于历史最低点，一年期贷款利率为4.35%；同时利率市场化迫使银行在存款和贷款的定价上展开竞争。

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Adopting Basel II requirements early is proving to be an uncompetitive move as pricing on lending is being forced up, and return for savers forced down.

BBC: City Diaries: President Obama's new banking regulations

But maybe there would be a reduced danger of extremes in the credit cycle, because there should be less illusion about where the risks of lending actually reside and therefore better pricing of credit.

BBC: What threat to banks from internet lenders?

Indeed, both bankers and regulators are paying close attention to loose lending standards and thin, even foolish, pricing of some mortgages and commercial loans.

ECONOMIST: American banks