Ceilings and floors are not always structurally sound. In China’s banking system, for example, interest rates on deposits are subject to a ceiling, which limits the income of savers. Lending rates, meanwhile, are subject to a floor, which leads to inefficient investment and excess capacity. Both need to change, urgently.
上下限的结构并不总是合理的。例如manbetx3.0 的银行系统对存款利率设置了上限，从而限制了储户的收入；对贷款利率设置了下限，从而导致了投资效率的低下与产能的过剩。两者都需要改革，而且迫在眉睫。
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