潘功胜：将引导商业银行相应的下调存款利率。

Group 1 - The core viewpoint is that Pan Gongsheng will guide commercial banks to lower deposit interest rates [1] Group 2 - This action is expected to influence the overall banking sector's interest rate policies [1] - The adjustment in deposit rates may lead to changes in lending rates, impacting the cost of borrowing for consumers and businesses [1]