TOKYO (AFX-ASIA) - Bank of Japan governor Masaru Hayami said his "heart is broken" because he has no choice but to keep interest rates near zero, even though the policy hurts family savings and weakens structural reform. "My heart is broken, seeing the continuation of the policy, as the low rates hurt households' savings. Zero-interest rates also delay structural reforms as they help weak companies to survive," Hayami told a parliamentary budget panel. "The BoJ cannot bring the current policy to an end, given the reality of the economy," he added. "We are maintaining a radical monetary policy in the hope that the government's structural reforms will induce easing effects and revitalise economic activity at the level of businesses," he said.