Recently, the Market Interest Rate Pricing Self-discipline Mechanism public account released the initiatives "Initiative to Optimize Self-discipline Management of Non-bank Interbank Deposit Rates" and "Initiative to Introduce 'Rate Adjustment Bottom Line Clause' in Deposit Service Agreement". The above initiatives incorporate non-bank interbank demand deposit rates into self-discipline management, standardize the pricing behavior of early withdrawal of non-bank interbank time deposits; banks should include "rate adjustment bottom line clauses" in agreements to ensure that adjustments to bank deposit listed interest rates or authorized internal upper limits of deposit rates are promptly reflected in actual deposit transactions according to the agreement. Huayuan Securities fixed income analyst Liao Zhiming believes that the standardization of non-bank interbank deposit pricing will not cause banks to lack liabilities. Some investors believe that the standardization of non-bank interbank deposit pricing will lead to deposit outflow from banks. "We believe that the actual impact is counterintuitive, ultimately all funds will land in the banking system. The standardization of non-bank interbank deposit pricing will not only result in banks lacking deposits, but will instead alleviate the pressure of general bank deposits, slow down the transformation of general deposits into non-bank interbank deposits, and reduce banks' debt costs." (China News Service)