The "non market deficiency"originates in the incompatibility of human nature and the market system, and there are no effective ways to overcome it at present.
“非市场缺陷”主要根源于“经济人”的本性与非市场体制不相容的一面，目前尚无克服这一弱点的有效途径。
However, the market deficiency decides the folk interest rate's standardization also need the impetus of non-market forces.
但是，市场自身的缺陷决定民间利率的规范化还需要非市场力量的推动。
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