An immediate step that the authorities should take, as many economists have argued for years, is to allow the saving rate to reflect the cost of investment. That way, ordinary depositors would put their savings back into banks, because the formal financial sector would offer them a way to tap into the benefits offered by China’s phenomenal growth.
而正如许多经济体多年来所提出的那样，相关部门应当迅速改变利率机制，使储蓄利率能反映投资的成本。这样一般储户才能再次将钱存入银行，因为正式金融部门将提供给他们一个分享中国巨大增长的机会。而银行一方面能拥有更多的可支配储蓄，另一方面具备更灵活的利率政策，因此也能更容易地评估风险价格并因此贷款给广大中小企业。