Second, in the first half of this year, the bank's personal demand deposits and currency in circulation fell by more than 3 trillion yuan, and by the second half of this year, domestic bank deposit growth fell below 10%. In response to the year-end big test, the deposit rate has been raised accordingly. Some state-owned Banks have a one-year deposit rate of 1.75%, which is about 16.7% above the benchmark interest rate. Some state-owned Banks perform 1.5 percent of the benchmark interest rate. Then the interest rate theory of the loan is the interest rate theory of neoclassical school, which is proposed to correct Keynes's theory of "liquidity preference". In some ways, the theory of interest rate can be regarded as a synthesis of classical interest rate theory and Keynesian theory. Loading could be the work load that is invested in a work centre. For example, time might be lost while changing over from making one ingredient of another. If the machine stops working, it will not be available. If there is machine reliability data available, this should also be considered. Sometimes your machine could be waiting for parts to reach or perhaps 'idling' for a few other reason. Other losses could include an allowance for the device being run below its optimum speed with an allowance for the 'quality losses' or defects which the device may produce. Of course, several of these losses should be small or non-existent in the well-managed operation. Finite loading can be an approach which only allocates work to a work up to set limit. This limit may be the estimate of capacity for that work centre (depending on the times intended for loading). Infinite loading is surely an method of loading work which won't limit accepting work, but rather tries to handle it. Lay the foundation