Bankers cry foul when they see this practice and hope banking regulations will be liberalized so that they may be free to set their own interest rates according to the needs of the market.
因為利率自由化之後，各銀行可以根據自己對資金運用的情形，靈活地調整利率﹘﹘若資金過多，就把存款利息儘量壓低，讓大家沒有興趣來存錢，同時減輕成本負擔；若是貸款業務增加，資金需求量增大，再把利率調高，吸引存款。