I didn't go to university <a href="http://barlens.com.au/ecohealthin-72f7.pdf#squint">echopharmacy.com</a>  Any liberalization is seen as positive for China's financial sector and the world's second-largest economy. But many Chinese investors fear the nation's banks, which for years have made easy profits from state-mandated spreads between borrowing and lending rates, will struggle to benefit from more competition.