Generally speaking, deposit interest and loan interest decrease simultaneously, and the spread remains unchanged, which is called "symmetrical interest rate reduction". If it is not synchronized, it is an "asymmetric interest rate cut". For example, when the central bank cut interest rates last time (2065438+June 8, 2002), the benchmark interest rate for one-year deposits and one-year loans of financial institutions was lowered by 0.25 percentage point, which was a "symmetrical interest rate cut", that is, the deposit and loan interest rates dropped simultaneously.

This interest rate cut, the benchmark interest rate for one-year deposits of financial institutions is lowered by 0.25 percentage point, and the benchmark interest rate for one-year loans is lowered by 0.3 1 percentage point, which is an "asymmetric interest rate cut", that is, the loan interest rate and deposit interest rate are not synchronized. This will not only weaken the high spread income of banks brought by monopoly, but also reduce the financing cost for enterprises that need funds and further stabilize the declining economy.