Market interest rate (market interest rate) is a true reflection of the borrowing cost of market funds, and the indicators that can reflect the short-term market interest rate in time are interbank lending rate and national debt repurchase rate. The interest rate of newly issued bonds is generally designed according to the market benchmark interest rate at that time. Generally speaking, the rise of market interest rate will cause the price of fixed-income products of bonds to fall, the stock price to fall, the real estate market and the foreign exchange market to fall, but the savings income will increase.

Market interest rate is a competitive interest rate formed by the change of capital supply and demand in the loan capital market.

Deposit interest rate: the currency that the customer deposits into the bank account according to the agreed terms. The interest amount is the loan amount, that is, the interest rate of the principal within a certain period. There is an annual/monthly/daily interest rate.