There are many factors that affect the change of interest rate, including: ① average profit rate. It must be higher than the interest rate. Only when the average profit rate is higher than the interest rate will you borrow money. (2) the relationship between supply and demand of loan funds. This is a very extensive factor that affects interest rates. There is more money in society, less demand from enterprises, less loans, more deposits, lower profits and lower interest rates; On the other hand, banks have no money, but enterprises borrow a lot, and the interest rate is high at this time. (3) The influence of national economic policies. The state should adopt two policies, one is to relax monetary policy, and the other is to tighten monetary policy. When the economy is booming, in order to prevent the economy from overheating, we should tighten monetary policy and raise interest rates; When the economy is in recession, loosen monetary policy and cut interest rates. ④ International interest rate level. Interest rate is the price of money, and international capital flow is affected by interest rate, and capital will flow to countries with relatively high interest rates. If it is 65,438+00% in the United States and 2% in China, the money will flow to the United States. At this time, if China wants to attract foreign investment, it will raise interest rates. If it is raised to 12%, the money will flow to China.