Industry insiders: It is expected that the central monetary market interest rates will further decrease, putting pressure on the returns of financial products such as funds and wealth management.

In the opinion of the interviewees, entering the downward trend of interest rates, the decline in returns of fixed-income and cash management financial products is already a prevailing trend. Recently, with the discussion on the upgrade of self-discipline in interbank call deposit rates heating up, this concern has been further intensified. Many banking industry professionals and securities analysts have told reporters that, against the backdrop of limited space for general deposit rate cuts, "patching up" the lack of transparency in self-discipline of interbank call deposit rates will be an important direction for structurally reducing bank liability costs. From a comprehensive institutional perspective, with the enhancement of the transmission effect of policy rates, it is expected that the central monetary market rates will further decline, putting pressure on the returns of funds, wealth management, and other financial products.