The VND interest rate is decreasing because of the profuse supply of capital on the market, or because of the instruction by the State Bank of Viet Nam?

Commercial banks have agreed to lower ceiling deposit interest rates to 11% per annum on more-than-six-month term deposits and 10.5% on 6-month-term deposits, commencing as of April 2, 2008...
Full story: Vietnam Stock Market News: New interest rates to be applied as of April 2