"Five Prohibitions": It is forbidden for banks to raise the deposit interest rate without authorization, to compete for deposits by means of circular pledge, loan repayment, commission and expense reimbursement, to absorb deposits by improper means such as borrowing enterprises and fund brokers, to illegally absorb deposits by coercive or restrictive means such as pressing orders and suspending online banking, and to raise the deposit interest rate in disguise by means of returning fees or giving gifts.