Recently, the stock prices of banks have experienced some pullback, with China Construction Bank and Industrial and Commercial Bank both retracing over 15% from their highs. China International Capital Corporation recently released research reports stating that the recent bank stock pullback is not only due to market concerns about the pressure on interest margins caused by adjustments in the existing mortgage rates but also because of the increasing crowdedness in short-term trading, leading to outflows of risk-averse funds in high dividend yield sectors. Financial data for August shows that current credit demand from the real economy may still be relatively weak, and it is expected that the probability of subsequent incremental policy measures will increase. Assuming a reduction in existing mortgage rates, even though it may temporarily restrain the performance of bank stocks, it also means early alleviation of midterm risks.