Although interest rates are expected to rise further next year, savers should not expect higher interest rates from Banks, experts have suggested. The U.S. crude oil inventory unexpectedly fell 5.2 million barrels last week, pushing U.S. oil further higher, noted the zero hedge fund. U.S. crude stocks have declined for five consecutive weeks, while gasoline inventories have increased for five consecutive weeks. If there is a clear indication of an increase in the EIA Cushing crude inventory released on Wednesday (December 20), crude stocks could end the five consecutive decline. Reuters quoted societe generale (601166, shares) head of U.S. rates strategy Subadra Rajappa, said over the past few sessions, is the tax factors driving bond yields and higher risk assets. And strong economic data usually drag down the bond market. Of course, in addition to the interest rate cut, yu 'ebao has also lowered the limit of personal accounts, from 1 million yuan to 250,000 yuan, to 100 thousand yuan. In recent days, it has been announced that yu 'ebao's one-day purchase quota will be adjusted to 20,000 yuan, all of which are aimed at reducing risks. According to this model, the interest rate decision depends on the supply of savings and investment needs, money supply, money demand, four factors, cause a change in the saving investment, money supply and demand factors will affect the level of interest rates. This theory is characterized by general equilibrium analysis. Followed by Edwards and bear published in his 1961 book "the theory of corporate earnings and measurement of the current operating profit is defined as the sales revenue more than the amount of current production and cost of sales, which can realize the cost savings is in this issue of asset price increases, which can realize the history of the cost savings are the pin commodity costs and the difference between the current purchase price; The realized capital gains are the amount of sales revenue greater than the historical cost when dealing with long-term assets. They argue that "these incremental sums provide investors with a reasonable starting point for measuring the scale of relative affluence and a detailed analysis of the company's operating results and comparable financial conditions". They stress that any full income analysis should take into account both realized and unrealized benefits and classify them by source. When are advantageous to occur, such as no record, will not only lead to current income can't reflect, but also can lead to later to sell assets to income and related costs to wrong ratio; Operating earnings and, on the other hand, the production gains is usually produced by different management decisions, and adopted different circulation form, therefore, make the same comment on both, will weaken the role of the income statement.