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This year, banks are increasing their plan for the issuance of interbank deposit certificates to mitigate the liability side deficit. The interest rate on interbank deposit certificates is rising, banks are adjusting their asset and liability structure, and pressure may increase. In 2025, state-owned large banks and joint-stock banks plan to raise limits; bank top managers state that they will optimize the deposit structure, reduce the cost of deposits, and strengthen control over liabilities.