On April 1, the reporter learned from an interview that when the bank raised the interest rate on consumer loans, the deposit interest rate was also lowered. On March 31, 2025, a private bank announced that it would adjust the three-year and five-year deposit rates for large-denomination certificates of deposit from April 1, 2025, respectively. The annual interest rate of the three-year large-denomination certificate of deposit will be adjusted to 2.4%, and the annual interest rate of the five-year large-denomination certificate of deposit will be adjusted to 2.5%. Another private bank also announced that 2.5% of large-denomination certificates of deposit will be removed from the shelves by March 31, 2025. An industry insider pointed out that if the interest rate of consumer loans is lower than the interest rate of deposits, and the funds of consumer loans are misappropriated for investment or other arbitrage behaviors, it is easy to cause the idling of funds and also disrupt the normal order of the financial market. Therefore, banks can avoid disorderly competition by raising consumer loan interest rates and lowering deposit interest rates.