To stimulate a recovery from the economic downturn of that time, and to stabilize "indicators of economic confidence" like the stock market, since August of 1995 the Central Bank has five times lowered the deposit reserve ratio for banks, causing interest rates on savings to fall.
為了刺激國內景氣，也為了穩定有「經濟信心指標」象徵的股市，從八十四年八月迄今，中央銀行五度調降存款準備率，引導各銀行的定存利率步步走低。