The bank time point refers to the customer's account balance at a specific time point, reflecting the amount of funds deposited or withdrawn by the customer at that time point; The daily average scissors difference refers to the spread calculated by the bank according to the daily average deposit balance and the daily average loan balance of customers. The average daily scissors difference indicates the net profit that banks get from customers' deposits and loans.

The deposit interest rate and loan interest rate of banks are influenced by many factors, including market interest rate, monetary policy and competition. Therefore, the daily average scissors difference will change with these factors, and banks need to pay close attention to the market situation and the dynamics of competitors to adjust the interest rate level to ensure the stability and sustainability of net profit.