The principal-guaranteed interest rate should mean that the price of the loan can compensate the cost and related management expenses paid by the bank to raise funds (that is, the direct cost and indirect cost of raising funds). At the same time, the price can also compensate the risks faced by the loan and make the bank get a certain profit. The second half of the interest rate is not considered.

Loan interest rate = loan capital cost rate+loan management rate+loan risk premium rate+target profit rate.

Loan interest rate = loan capital cost rate+loan management rate+loan risk premium rate.

When the profit target is 0, calculate the guaranteed interest rate of bank loans. If the borrower's compensation deposit, market competition and other factors are taken into account, it is also possible to lend at the guaranteed interest rate.