The bank automatically adjusts the interest rate according to the interest rate announced by the People's Bank of China. When adjusting the interest rate, the bank will refer to the guiding interest rate of the People's Bank of China and make corresponding adjustments according to market conditions and policy requirements. When the People's Bank of China announces the new interest rate, the bank will automatically adjust its loan and deposit interest rates without the personal operation of borrowers or depositors. This can ensure that the bank's interest rate is consistent with the market interest rate and provide a fairer and more transparent interest rate environment for borrowers and depositors.