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This may have a negative effect on the sales of Xpoint products. No one is a fool, and money doesn't make a profit. Yu 'ebao's interest rate cut is also to avoid risk. The same is true of unconventional interventions in corporate bonds and mortgage-backed securities. Not surprisingly, the concept of central bank independence obviously help to specific financial institutions - and this time, the whole society are under unprecedented economic pressures - soon become politically toxic. The other part of the republican strategy (known as "starve the beast") tax cut higher deficits will be used to fight for the so-called entitlement spending cuts, such as medicare, medicaid, food stamps and social security. Again, this is a risky proposition because the elderly, the middle class and the low-income americans depend heavily on these programs. Yes, the working and non-working poor, who get welfare or food stamps, include minorities who tend to vote for the Democratic Party. But the millions of blue-collar, socially conservative whites who voted for Mr Trump relied on these and similar schemes. Moneyfacts says the average instant access savings rate is only 0.07 percentage points higher.