standard oil monopoly 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. The savings rate in January has fallen to historic lows since last August's cut in bank interest rates. Recently, the yield of celestica monetary fund balance treasure has attracted the attention of investors, since August, balance of treasure yields falling, so far, the balance of monthly average yield has fallen below 4%. Because economists understand earnings as actual material wealth increase, accounting experts think the output value of more than the difference between the input value is profits, there is a contradiction and two kinds of income concept. The specific performance is: Money sent home by migrants constitutes the second largest financial inflow to many people developing countries, exceeding international aid. Estimates of remittances to developing countries differ from International Fund for Agricultural Development's. Remittances contribute to economic growth also to the livelihoods of folks worldwide.