According to the inquiry, it can be found that the loan interest rate of rural commercial banks will fluctuate on the benchmark interest rate of the central bank. The annual interest rate of general loans is 4.35% within 1 year, 4.75% within 1 five years, and 4.9% over five years. For individual housing provident fund loans, the annual interest rate of loans for less than five years is 2.75%, and that of loans for more than five years is 3.25%.

Rural commercial banks, referred to as rural commercial banks for short, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations. Rural cooperative banks should all be restructured into rural commercial banks.