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Inherent flaws in accounting earnings 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. Cylinder work volume refers to the volume of gas swept by the piston from the top to the bottom, also known as single cylinder displacement, depending on the cylinder diameter and the piston stroke. Engine displacement is the total volume of working volume of each cylinder, usually expressed in milliliter (CC). Engine displacement is one of the most important structural parameters. It is more representative of engine size than cylinder diameter and cylinder number, and many indicators of engine are closely related to displacement. Any transaction can be seen as a contract between the two parties. The so-called transaction cost can be seen as the cost of the transaction contract. According to Mr Coase and others, a type of transaction costs arise from the accidental factors that occur when a deal is signed. These incidental factors may not be written into the contract due to the fact that they could not be foreseen in advance, or although they could be foreseen, they could not be written into the contract due to too many factors. Another type of transaction costs is the signing of contracts and the cost of monitoring and enforcing contracts. Of course, in addition to the interest rate cut, yu 'ebao has also lowered the limit of personal accounts, from 1 million yuan to 250,000 yuan, to 100 thousand yuan. In recent days, it has been announced that yu 'ebao's one-day purchase quota will be adjusted to 20,000 yuan, all of which are aimed at reducing risks.