Banks need depositors' money as a reserve before lending. For example, if the deposit reserve is 20%, the bank can lend 5 yuan with the deposit of 1, and the profit mainly depends on the interest margin. For example, if the deposit is 2% and the loan is 4%, there will be two spreads in the middle, which can be enlarged five times. Naturally, I am willing to absorb and collect deposits within a safe range.