What is the general deposit-loan spread of domestic commercial banks? What is the maximum loan interest rate of commercial banks stipulated by the central bank that cannot exceed the benchmark interest rate%? The People's Bank of China stipulates that the loan interest rate of commercial banks will fluctuate on the basis of the benchmark interest rate, with the lowest fluctuation range of 10% and the highest fluctuation range of 80%.

Deposit-loan spread = loan interest rate-deposit interest rate The loan interest rate must be higher than the deposit interest rate, otherwise it is a discount business.