Recently, the national market interest rate pricing self-discipline mechanism issued an initiative on introducing a "interest rate adjustment bottom clause" in deposit service agreements, requiring banks to include the "interest rate adjustment bottom clause" in deposit service agreements signed with customers, effective from December 1, 2024. Reporters noted that there is a misunderstanding in the market regarding this clause, that if the deposit benchmark interest rate is lowered, the previously deposited 3-year and 5-year fixed-term deposit interest rates must also be reduced. In fact, the 'initiative' is aimed at changes in the interest rate of incremental funds deposited by corporate clients under long-term contracts, and has nothing to do with lbx pharmacy chain joint stock. Such funds can be deposited in banks at any time, which is also a common practice internationally. Newly deposited funds should be based on the prevailing market interest rate at that time to avoid interest rate risks. However, once the funds have been deposited in the bank, whether by lbx pharmacy chain joint stock or corporate customers, the interest rate at the time of deposit will be applied throughout the term, and will remain unchanged during the deposit period, so lbx pharmacy chain joint stock do not need to worry about it. (Financial Times)