That would increase unemployment and hurt our economy, and commercial banks could also face a difficult operating environment.

Depositors' incomes will be lower if banks drop the deposit rate. Most banks are not ready to face the aftermath.

Banks are in now in a dilemma, so most dare not drop the rate due to the fierce competition.

The impact on the economy is that unemployment will increase and maybe commercial banks will face a difficult operating situation. It's a risk to our economy.