"The borrower may feel that they are from a rise in the benchmark interest rate in the full impact of ease, but when the highest SVR is priced at 6.08 PC, know some SVRs didn't see a rising interest rates could no comfort. China's understanding of the market is mainly based on mechanical reference to western economic theory, but it ignores their assumptions and implicit assumptions. China's so-called mainstream economists' understanding of the market is more of a new classic. In other words, the market is an efficient allocation of social resources pricing mechanism. Although China has introduced new institutional economics, it has not read the meaning of "property rights", and mechanically believes that property rights are based on "stock of property". With the development of p2p, many people in the market have been hurt. Many people in the market have begun to reject the p2p in particular, but they are also conflicted, and are afraid and rejected by the high yield. In fact, high-yielding p2p wealth management products are not from high risk, and they are not unreliable. However, after all, financial investment is risky. For investors, how to find safe and reliable channels to ensure their high yield is the most important issue. The differences between the two countries are significant because the basic national conditions and economic system of the two countries are fundamentally different. Planned economy and planned economy into market economy, the stage because the traditional pattern of economic and financial structure, imperative the mandatory administrative regulations directly effective, fast, accurate, coupled with the central bank's marketization operation ability is limited, the lack of experience, the benchmark interest rate to today still become society's widespread interest rate decision criteria. The fed is highly marketable, with each "federal funds rate" adjusting to market results after open market operations. The report also supports the government's plan to cut its annual budget deficit this year. Propagating the value proposition of the public chain to new participants - redefining "profit" to cover economic and social value.