根据官方数据，中国的1300家中小型企业中约有1000家目前没有建立工资集体协商制度。
According to official statistics, about 1000 out of 1300 small and mid-sized enterprises in China currently lack a collective negotiation system on wages.
目前，我国对个人住房贷款实行浮动利率制度，即商业银行每年根据市场利率情况对房贷利率进行相应的调整。
At present, China's floating interest rates on housing loans to individuals of the system, namely, commercial Banks in accordance with market interest rates on loans annually adjusted interest rate.
第四部分根据具体行政行为听证和抽象行政行为听证(行政决策听证和行政立法听证)的划分，对我国目前行政听证制度存在的主要问题进行了分析。
The fourth part analyses the primary problems in administrate hearings of China at present, based on the classification to administrative factual act and administrative abstract act.
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