关键词: 利率决定, 借贷资金, 储蓄, 投资, 调节功能

Abstract: Aspects that affect the level of rate include profit of the enterprise and relation between demand and supply of capital allocated to loans. This relation is influenced by the amount of savings and investment from non-financial bodies, and by activities of administrative organizations of currency. The rate may fulfill functions of regulating savings and investments, resulting in a rational distribution of the capital. To reinforce the regulation function of the rate, proper economic foundation should be established accordingly.

Key words: designation of rate, fund for loans, save, investment, function of regulation