The current attractive interest rate spreads are a symptom of regulated rates - and thus have a limited shelf life.

当前中国很有吸引力的利差水平是利率管制的因果，因此不会维持太长时间。

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Back then, telephones were expensive and hard to get, air travel was a luxury of the rich, and most people put their savings in bank accounts paying low, regulated rates of interest.

那时候，电话昂贵且难以获得，空中旅行是富人的奢侈品，大多数人付的低利息税将存款存入银行账户。

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Do you think that credit card interest rates should be regulated?

FORBES: Bill Introduced to Cap Credit Card Interest Rates

The solution lies not in cutting interest rates further, but in shaking up the over-regulated mortgage market.

ECONOMIST: The European Central Bank