经济发展中，难免“有心栽花花不发”。为扩大内需，国家投入了大量建设资金，指望以此拉动经济增长。结果呢？在一些地方，资金仅局限于投资性、生产性领域，未及时转化成生产、生活消费。为引导群众扩大消费，我们的利息一降再降，可老百姓就是“只认银行不认市场”，即便无 In economic development, it is unavoidable that “we will not spend any time and energy”. To expand domestic demand, the state has invested a large amount of construction funds in the hope of stimulating economic growth. The results of it? In some places, funds are confined to investment and productive fields and are not converted into production and consumption in time. In order to guide the masses to expand consumption, our interest rates drop lower and lower again, and the common people can only recognize that banks do not recognize the market, even if none