In general, the banking sector is healthier. While some banks are struggling, many banks have experienced improvements in operations. The following outstanding banks are chosen as based on eight measures on financial health including net interest margin, return normally equity, nonperforming loans, and reserves as being a percentage of NPLs. Interest rates in different countries have different connotations. In China, interest rates typically refer to bank interest rates, further pointing to the pboc's benchmark deposit and lending rates. In the United States, mainly refers to the bond market interest rates, the fed adjustment of benchmark interest rate, also not have mandatory administrative benchmark interest rates, but through open market operations after determine its rate for overnight loans between Banks.