Influencing factors of long-term interest rate: economic fundamentals; Expectation of the tightness of future monetary liquidity; Short-term interest rates will also be related to long-term interest rates. Note: If the economy basically improves, the long-term interest rate will go down. If economic development slows down, long-term interest rates will rise even faster. Influencing factors of short-term interest rate: current currency liquidity and risk;