Legal analysis: Yes. In case the People's Bank of China adjusts the interest rate, the adjustment rules for personal commercial loans that have been handled in China Bank are as follows: If the loan is a floating interest rate loan and linked to the benchmark interest rate announced by the People's Bank of China, there are two ways to adjust the loan interest rate when the benchmark interest rate of the People's Bank of China is adjusted. First, since the actual lending date, it will be re-priced every floating period agreed in the contract, and the re-pricing date will be the first day of the next floating period. There are many types of floating cycle spans, and the loan contract shall prevail. Second, re-price once every June 65438+ 10/,that is, the interest rate adjustment date of your loan is June 65438+1 0/every year after the loan is issued. If the benchmark interest rate of the People's Bank of China is adjusted in the previous floating period, the customer loan interest rate will be calculated in the floating period according to the new benchmark interest rate of the People's Bank of China and the interest rate floating ratio or the addition and subtraction points agreed in this contract from the interest rate adjustment date. Whether the floating methods of the above two kinds of customer loans are linked to the benchmark interest rate of the People's Bank of China, the floating ratio of interest rates, the addition and subtraction points and the floating term span shall be subject to the specific agreement in the loan contract.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.