The adjustment of the five-year loan interest rate of the National Interbank Funding Center is a very serious topic. Even a small adjustment will have a great impact and will have a certain impact on the operation of the national economy. We should not adjust it at will, let alone increase it by 30-50%. The loan market quotation (LPR) is the basic loan reference rate calculated and published by the representative quotation bank by adding the open market operating interest rate and the loan interest rate of the best customers, and determined by the National Interbank Funding Center authorized by the People's Bank of China.