Which one has the higher interest rate, Bank of Dalian or China Construction Bank? Bank of Dalian has the higher interest rate. After checking the interest rates of two banks, I learned that Dalian Bank has a higher interest rate.

1. As the central bank’s reserve ratio continues to lower, the deposit interest rates of major banks are also constantly lowering. Now the Bank of China, Industrial and Commercial Bank of China, China Construction Bank and other major banks have similar rates. Dalian Bank has a higher deposit interest rate.

2. Market competition: There is fierce market competition among banks. In order to attract more customers and deposits, some banks may choose to offer higher interest rates. Dalian Bank may increase interest rates to attract borrowers to choose their loan products.

3. Risk assessment: Different banks may have different risk assessment standards and methods for borrowers. If Dalian Bank deems certain types of borrowing projects to be riskier, they may set higher interest rates to compensate for the potential risk.

4. Product features: Loan products of different banks may have different features and additional services. If Dalian Bank's loan products have more added value or more flexible conditions, they may set a relatively higher interest rate.

5. Funding costs: Bank loan interest rates are affected by funding costs. If Dalian Bank's cost of obtaining funds is relatively high, they may make adjustments in lending rates to maintain profitability.