1. What is the interest rate of financing loans for SMEs? Generally speaking, the normal secured loan interest rate of banks rises by 70%, and the converted annual interest rate is 10.2%, which is slightly lower than that of private lending 12%. Interest rate pricing, converted according to the daily average of deposits, the higher the daily average, the lower the interest rate, and most enterprises do not have enough capital flow; Therefore, most enterprises will float 70% and mortgage 50%. A few enterprises can get 40%, 30% or even 20%, but few can get the benchmark interest rate. Banks are the main financing channels for enterprises. According to the nature of funds, it is divided into three categories: working capital loans, fixed assets loans and special loans. Special loans usually have specific purposes, and their loan interest rates are generally favorable. Loans are divided into credit loans, secured loans and discounted bills. 2. What are the financing methods for SMEs? 1, bank loan. Banks are the main financing channels for enterprises. According to the nature of funds, it is divided into three categories: working capital loans, fixed assets loans and special loans. Special loans usually have specific purposes, and their loan interest rates are generally favorable. Loans are divided into credit loans, secured loans and discounted bills. Bank loan is one of the most common financing channels. However, due to its high qualification requirements and relatively complicated procedures, it is often difficult for small and medium-sized enterprises that are in urgent need of funds. 2. Stock financing. The stock is permanent, has no expiration date, does not need to be returned, and has no pressure to repay the principal and interest, so the financing risk is small. The stock market can promote enterprises to change their management mechanism and truly become a legal entity and market competition subject with independent operation, self-financing, self-development and self-restraint. At the same time, the stock market provides a broad stage for asset reorganization, optimizes the organizational structure of enterprises and improves the integration ability of enterprises. 3. Bond financing. Corporate bonds, also known as corporate bonds, are securities issued by enterprises in accordance with legal procedures and agreed to repay the principal and interest within a certain period of time, indicating that there is a creditor-debtor relationship between the issuing enterprises and investors. Bondholders do not participate in the operation and management of the enterprise, but have the right to recover the agreed principal and interest on schedule. When an enterprise goes bankrupt and liquidates, creditors have priority over shareholders in claiming compensation for the remaining property of the enterprise. Corporate bonds, like stocks, are securities and can be freely transferred. 4. Financial leasing. Through the combination of financing and finance, financial leasing has the dual functions of finance and trade, and plays a very obvious role in improving the financing efficiency and promoting the technological progress of enterprises. Financial leasing includes direct purchase leasing, after-sale leaseback and leveraged leasing. In addition, there are many forms of leasing, such as the combination of leasing and compensation trade, the combination of leasing and processing and assembly, and the combination of leasing and underwriting. The financial leasing business has opened up a new financing channel for the technological transformation of enterprises, and adopted a new form of combining financing with finance, which has improved the speed of introducing production equipment and technology, saved the use of funds and improved the utilization rate of funds. In the process of the development of small and medium-sized enterprises, related enterprises all want to expand their development and better manage their own enterprises. We can carry out corresponding financing for better operation, and the relevant financing needs to pay the corresponding financing interest rate to pay the legitimate interests of such financiers, which is in line with China's economic development and economic laws.