因此，合并双轨的利率及信用体制的关键在于改革信贷资源配置机制，向表现出色的项目提供更多资金，并对表现不佳的借款人施加各种硬约束。
The key to merging interest rates thus lies in reforming the credit-allocation mechanism to provide more capital to well-performing projects and enforce hard budget constraints on poor-performing borrowers.