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Most western interest-rate determinism focuses on the analysis of supply and demand comparisons, arguing that interest rates are a price. The difference lies in what supply and demand determines interest rates. For example, Marshall's real interest rate theory emphasizes the real factors of non-monetary factors - productivity and the role of economy in determining interest rate decisions. Productivity is expressed by marginal propensity to invest, and the marginal propensity to save is expressed. After all, with tighter regulation and tight capital, high interest rates and high limits mean high risk, but investors should also be careful not to put money in one basket. 3. Remove the gasoline pump in the car Julie Palmer, a retail expert at Begbies Traynor, said retailers faced a particularly disappointing deal in the weeks following the apparent success of "black Friday" at the end of November. Compared with the Internet boom that preceded the information age, the blockchain era is almost as hot as it was in 1998, and the cryptocurrency world is inviting mainstream participation.