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.
上下限的結構並不總是合理的。例如中國的銀行系統對存款利率設置了上限，從而限制了儲戶的收入；對貸款利率設置了下限，從而導致了投資效率的低下與產能的過剩。兩者都需要改革，而且迫在眉睫。
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