Folk financial interest rates have complexity、Features of diversity，If you can play a regulatory role according to the supply and demand status of market funds，It will be more effective than the interest rate mechanism bet365 best casino games of regular financial institutions，But there will also be some negative effects。First，The adjustment mechanism of private financial interest rates will affect the effect of monetary policy。The folk interest rate has amazing sensitivity，Can quickly reflect the condition of funds for supply and demand。When the central bank implements a tight monetary policy、When regular financial institutions tighten the silver root，Folk financial interest rates often rise rapidly，Instead of finance bet365 Play online games & ldquo; Trust Media & RDQUO; Phenomenon。Next，The market -oriented interest rate adjustment mechanism of private finance is likely to lead to economic hollowing。again，Different characteristics of interest rate mechanisms can easily induce civil lending risks to transmit to the banking system。Last，When the financial market mechanism is not sound，Folk financial high interest rates will cause regular financial institutions to risk leases; a few people will use people'bet365 live casino games s interest psychology to engage in high interest rate financial fraud。For this，It should promote the cooperation of private finance and formal finance，Create a good regional financial ecological environment，Promote the standardization of private interest rates。

（Source: "Economist"2011Years5Issue     Zhang Zheng/pick)