On August 31st, it was reported that national commercial banks will lower their deposit interest rates on September 1st. Regarding this, a reporter from Securities Daily inquired with customer service personnel from six major state-owned banks on the same day. Some bank customer service personnel told reporters that they have not yet received an official document to lower deposit rates on September 1st, but some bank branches may have received notification. Subsequently, the reporter asked the staff of multiple branches of different banks in the Beijing region. Among them, the staff of both branches of Postal Savings Bank told the reporter that they had indeed received a notice that they would lower the deposit interest rate on September 1st, with a range of 10 basis points (inclusive) to 25 basis points (inclusive) for different varieties. A staff member from another state-owned bank, Beijing Haidian District Branch, stated that they have not yet received formal notice, but have received a notice to stop floating deposit rates before 4:30 pm on August 31st. A bank branch received a notice of downgrade on the afternoon of August 31st, A staff member from a branch of Postal Savings Bank in Chaoyang District, Beijing, told Securities Daily: "We did receive a notice to lower the bank deposit interest rate this morning and it was officially implemented on September 1st. This adjustment does not involve the listing and agreement interest rates of 3 and 6 month deposit products, but mainly adjusts the listing and agreement interest rates of 4 types of deposit products." The staff member further stated that in terms of the listing interest rates of bulk deposit and withdrawal, A one-year decrease of 10 BP (basis points), from the original 1.68% to 1.58%; The two-year period decreased by 20 BP, from the original 2.05% to 1.85%; A decrease of 25 BP over a three-year period, from 2.45% to 2.20%; Over a five-year period, 25 BP will be lowered from 2.50% to 2.25%. In addition, the deposit interest rate of the lump sum deposit and withdrawal agreement has also been reduced by different degrees. In addition, a staff member of a branch of Postal Savings Bank in Shunyi District, Beijing also told reporters that they had received a notice to officially lower the deposit interest rate on September 1st. According to its introduction, the reduction in interest rates for different deposits is consistent with what was mentioned by the staff of the Haidian District branch mentioned above. In addition to the Postal Savings Bank, the staff of Beijing Haidian District Sub branch, another large state-owned bank, told reporters that they had received a notice in the afternoon of August 31, asking to stop floating the deposit interest rate before 4:30 p.m. that day. According to the previous experience of lowering the deposit interest rate, this was an obvious signal of lowering the deposit interest rate on September 1. A staff member from a state-owned bank's Beijing Tiangongyuan branch also told reporters, "I heard that deposit interest rates will be lowered, but I haven't received formal notice yet. However, even if the listed interest rate is lowered, there is still some room for the actual deposit interest rate to rise, which requires contacting the wealth management manager." This round of deposit interest rate reduction is the second reduction after the national commercial banks lowered their deposit interest rates in early June this year. Starting from June 8th this year, major state-owned banks have successively lowered the interest rates for bulk deposits and withdrawals, as well as large deposits, by a range of 10 BP (inclusive) to 15 BP (inclusive). By comparison, the reduction in the types of three-year and five-year deposits this time is greater than in June. In fact, according to recent reports released by regulatory authorities and the latest market interest rate trends, the market had some expectations for lowering deposit rates. Chinese people