If the interest rate is lowered without lowering the deposit and loan reserve ratio, it will have a certain impact on the profits of banks. If the deposit and loan reserve ratio is reduced without lowering the interest rate, the profit will not be affected. Bank deposits will be settled by the interest spread of the central bank. If the deposit is 654.38+00,000, the central bank will give him 7% and pay 4% interest, and 3% is his income.