1, the average social profit rate is the basic factor to determine the interest rate.

2. Capital supply and demand and market competition are important factors affecting interest rates.

3. Social reproduction is the decisive factor affecting interest rates.

4. The national economic policy is also an important factor affecting the interest rate.

5. Bank cost is a factor that must be considered when determining interest rate.

6. The price level is also a factor that must be considered when setting interest rates.

7. The international interest rate level also has an important influence on the domestic interest rate.

Marx's interest rate determinism is based on an accurate grasp of the source and essence of interest. Marx revealed that interest is a part of the surplus value separated by the capitalist who lends capital from the capitalist who borrows capital, and profit is the transformation form of surplus value.

This qualitative stipulation of interest determines its quantitative stipulation (this qualitative stipulation of interest determines its quantitative stipulation), the amount of interest depends on the total profit, and the interest rate depends on the average profit rate.

Marx further pointed out that between the average profit rate and zero, the interest rate depends on two factors: first, the profit rate; The second is the proportion of total profits distributed between borrowers and lenders. The determination of this ratio mainly depends on the relationship between supply and demand and the degree of competition between borrowers and lenders. Generally speaking, when supply exceeds demand, interest rates fall; When demand exceeds supply, interest rates will rise. In addition, laws and customs also play a greater role.