Over the past two decades, China's real interest rate has in general remained slightly below the potential economic growth rate, which is the "golden rule" level. Basically in line with the potential economic growth rate, it met the requirements of keeping prices basically stable and played an important guiding role in promoting macroeconomic balance and efficient allocation of resources.
At the same time, China's benchmark one-year deposit rate is 1.5 percent, and as commercial banks usually raise the rate to around 2 percent, the people get an appropriate return on their deposits.