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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%. 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. But let's remember that the increased participants were basically in the interest of the economy and were attracted to new tokens that they felt were promising.