There is a continuing downward trend in the middle-level rate of return, and there is a gap in the rate of return associated with different targets. The downward trend in interest rates in some banks has continued since the second quarter, while deposit products have not been “windled”. In addition to large deposit sheets and fixed-term deposits, structural deposits are also favoured by a number of sound investors. “Despite the current reversal of the interest rates for structural deposits, t...