Like quotas on manufactured products, these new quotas are generating a dual-price allocation system, in which SOEs can borrow at significantly lower interest rates than small and medium-size enterprises (SMEs), which must rely on the informal market at interest rates as high as 2% monthly. But eliminating quotas in order to allow prices to reach market-clearing levels is not an option this time, owing to the complexity and competitiveness of the real-estate and bank-credit markets.