The narrowing of the spread between bank deposits and loans has caused the decline of the overall profit of the banking industry, which has put forward a new topic for the development of China's banking industry at present.

That is, how to maintain profit growth under the wave of interest rate marketization.

At present, the correspondence of domestic banks mainly has the following two points.

1) Go abroad and open branches abroad to provide investment and financing services for overseas companies.

2) Increasing intermediary business is the main innovation of domestic banks at present.

At present, many banks have made many innovations in fund marketing channel business.