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judging from the data, banks are profitable, with a total net profit of 683.388 billion yuan. the mid-term dividend also shows the positive performance of banks in the current economic development. however, the challenges brought by the interest rate cut are also clearly visible. the central bank guided commercial banks to lower deposit rates, giving existing loan rates new room for adjustment. behind this lies the financial industry's anxiety about the real estate market and economic recovery.

a low interest rate policy is not a simple choice. it represents a delicate balance between bank fund management and profit margins. as the mortgage market fluctuates, banks need to act with caution. some experts suggest that banks adopt a step-by-step, differentiated approach to lowering existing mortgage rates, which can ensure the effectiveness and accuracy of the policy and avoid excessive negative impact on economic development.

at the same time, the plight of the real estate market has also become a new challenge that the financial sector has to face. real estate sales have continued to fall, and the new home market has shrunk, which has led to an increase in bank loan risks and investment costs, and has had a certain impact on overall economic growth. although lowering the interest rate on existing mortgage loans cannot directly promote new home sales, it can stabilize confidence in the property market, increase consumption capacity, and further promote economic recovery.

the banking industry is facing many challenges, but it also contains new opportunities. future development requires banks to continue to explore and make breakthroughs in risk management, innovative operations and social responsibility. only by relying on their own strength can they achieve long-term development in the financial market.