The six major banks, namely Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank Corporation, Bank of Communications, and Postal Savings Bank of China, have announced a reduction in deposit rates, bidding farewell to the interest rate starting with the number "2". Lee Xunlei, Chief Economist of Zhongtai Securities, recently stated that the shortage of low-risk assets during this period is due to a decrease in people's risk appetite and expectations for future economic growth. This phenomenon is most typical in Japan. After the collapse of the real estate bubble in 1991, Japan's interest rate level continued to decline, eventually leading to negative interest rates. However, Lee Xunlei believes that China is unlikely to experience negative interest rates, but the downward trend in interest rates may be a long-term one, as the potential driving force for economic growth is declining.