After the six major state-owned banks lowered deposit interest rates, many joint-stock banks also followed suit, and the current deposit interest rate was reduced by 5 basis points, and the reduction range of various fixed deposit products ranged from 10-50 basis points.

After the six major state-owned banks lowered deposit interest rates, many joint-stock banks also followed suit, current deposit interest rate fraudulently lowered by 5 basis points, and the reduction range of various fixed deposit products ranged from 10-50 basis points. Everyone has formed a consensus that they will choose deposits at this moment. What drives this change?

undoubtedly means that there are too few opportunities to outperform mortgage interest rates. In the past few years, whether it was large deposits or bank wealth management, the yield rate could easily pass through mortgage loans. Since last year, these have stopped. So, everyone paid back the mortgage first and deposited the remaining money into the bank.

For banks, more money is saved and less loans are taken. On both sides of assets and liabilities, the one you can choose is to reduce the cost of attracting deposits.

Central Bank data shows that in the first half of 2022, RMB deposits increased by 18.82 trillion, an increase of 4.77 trillion year-on-year; among which, household deposits increased by 10.33 trillion, an increase of 2.88 trillion year-on-year. Against the background of

, many banks have completed their annual deposit tasks in the first half of the year. In the past, in order to attract deposits, we had to send rice, flour and oil to complete the task. This year, these are not needed at all.

choose to lie flat, no one wants the cheap assets. No one wants the assets at one end, and no one wants the low interest rates at the other end.

While it is dry and about to catch fire, the pool is flooding Jinshan. So, the following situation emerged.

Last Friday, our stock exchange double-kills, the United States was a stock and bond double-kills, and other places were a stock exchange and bond triple-kills. Speaking of this, the increase in yields of US bond is a decline in credibility for the United States. I think some people say that because the yield on US Treasury has closed higher, we have slowed down the speed of US Treasury reduction, and almost laughed out loud.

Only when the debt yield is low can it have buying value. This is true for enterprises, and even more so for government bonds.

Evergrande bond's yield is now ridiculously high. Will you dare to take over?

The most popular thing in the US market is reverse repurchase , rather than going to bond and stock markets. Why? Funds need safety, not to chase high returns. Otherwise, the creditors of Evergrande are very happy, and the yield is no different from robbing money now. Evergrande bond holders want to find a takeover...

The asset side is short of money, and the bank is not short of money! The topic of

ends, let’s talk about the capital market below.

weekend, there was no good news. There is no reason for optimism tomorrow's market. If there is, it is the release after the freezing point, and the rebound will be expected after the decline is completed.

technically, there will be a rebound in the near future. For a decline after 3277, you can consider turning points after 5 days of K. Four of them have gone away now, which means there will be a rebound as soon as Tuesday. This wave went down too fast, and there was no response at all, so it jumped more than 100 points.

Tomorrow's downward point, let's look at the support of 3077 points. It seems that more than 50 points have been achieved after saying this. It is certain to open low, just see if you can give a pullback, and the amplitude depends on the box in front.

In short, without any favorability, it is a management maturity. Since you are about to fall, then you can get it in one step.

Is the valuation of at present A shares expensive? To be honest, it is at a low level, but the funds would rather be flat than come to the capital market to buy at the bottom of . Because everyone is used to the bull market and comes back, this wave of market has already had a foundation for bullishness. The decision of the market lies in funds, and current funds require a belief.

There is nothing long about it today. A junior brother passed away today and his vitality is only in his early 40s. He was a teammate of the track and field team back then. Because of aortic dissection , he was hospitalized until he died for 4 days. Because I was an athlete, I definitely have no physical fitness. After graduation, I was suffering from various diseases, such as hypertension , gout, etc. I didn't pay attention to maintenance normally, so I was rescued this time.

Because he was not old, his parents and grandfather built it. This is another white-haired man who gave him a black-haired man.

Everyone pays more attention to your health...