What Factors Affect Commercial Bank Interest Rates?

The interest rate composition of a commercial bank is the type of interest rate composition of a commercial bank. The interest rates of Chinese commercial banks are composed of two types: deposit interest rates and loan interest rates. The deposit interest rate includes the unit current deposit interest rate, the unit time deposit interest rate, urban and rural residents' personal savings deposit interest rates (including deposit rates, time deposits, zero deposits and withdrawals, integral deposits and withdrawals, deposit and withdrawal interest rates, etc.), and overseas Chinese RMB savings deposits interest rates . ^[1]