On June 2 1, April 22 and September 22, the interest rate of medium and long-term deposits dropped significantly. The self-discipline upper limit of the three-year deposit interest rate of the big bank is 3.00%, and that of other banks is 3.25%; The self-discipline upper limit of one-year deposit interest rate of big banks is 1.90%, and that of other banks is 2.15%; The self-discipline upper limit of deposit interest rate of big banks is 0.40%, while that of other banks is 0.50%. The upper limit of deposit interest rate for each term has decreased, and the self-discipline upper limit of three-year deposit interest rate has decreased by 85-88BP compared with 2 1 (before the reform).

On September 15, 2022, many large state-owned banks adjusted their personal deposit rates again, and the interest rates of many varieties, including demand deposits and time deposits, were fine-tuned to varying degrees. Among them, the interest rates of three-year time deposits and certificates of deposit are lowered by 15 basis points.