降低利率的过程 — — 以扎实的税收政策为锚，以消除制度壁垒（如储蓄账户补贴）为手段 — — 在2012年下半年有所扩大，将真实年利率压低到2%以下。
The process of reducing interest rates – anchored on a solid tax policy and enabled by the removal of institutional obstacles (such as the rule of remuneration of savings accounts) – was extended to the second half of 2012, leading to a real annual rate under 2%.