The first section is to introduce the definition of interest rate and deregulation.
第一部分，介绍利率市场化相关的基本概念和国内外利率市场化的基本情况。
China's benchmark lending rate is at an all-time low of 4.35 per cent for one-year loans, and interest rate deregulation has forced lenders to compete on deposit and loan pricing.
中国的基准贷款利率正处于历史最低点，一年期贷款利率为4.35%；同时利率市场化迫使银行在存款和贷款的定价上展开竞争。
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