高利贷是指超过法定利率取息。
事实上，他们决定如何制定利率，和会员银行的法定准备金率。
In fact they decide on how to set interest rates and borrowing requirements for member Banks.
根据摩根大通的说法，官方可能会持续提高利率和法定准备金，并通过卖美元来吸纳现金，同时使允许更多的利润用人民币来代替美元。
Officials may keep raising interest rates and banks' reserve requirements, sell bills to soak up cash and allow more gains by the yuan against the dollar, according to JPMorgan.
因为存款利率是法定的，比较低，而且它们与借款利率之间的利差非常大，所以这种增长就非常有利可图。
Since deposit rates are, by law, low, and the spread between them and lending rates quite large, the growth has been enormously lucrative.
此次调整的时间非常的引人注目：人民银行最近一次提升基准利率是在四月五号，而且，利率往往是随法定准备率的上调而上调。
The timing makes sense: The People’s Bank last raised its benchmark interest rate on April 5 and the bank frequently follows an interest rate increase with a bump to the reserve requirements.
另一方面如基准利率、法定准备金率等发生变动可能给市场带来一定的政策信号，改变市场参与者未来预期并影响其决策行为。
On the other hand, the change of benchmark rate or required reserve ratio may bring a policy signal to capital market and alter both of the anticipation and decision of market participants.
另一方面如基准利率、法定准备金率等发生变动可能给市场带来一定的政策信号，改变市场参与者未来预期并影响其决策行为。
On the other hand, the change of benchmark rate or required reserve ratio may bring a policy signal to capital market and alter both of the anticipation and decision of market participants.
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