The floating interest rate system is generally adopted for foreign exchange loans, and the daily interest rate announced by the People's Bank of China is usually adopted. The floating interest rate of general foreign exchange working capital loans is within 1 year (including 1 year) for three months. Foreign exchange fixed assets loans generally adopt a floating interest rate of 3 months or 6 months according to the loan term.

(2) Term of foreign exchange loan

The term of foreign exchange loans shall be from the date when the loan contract is signed to the date when all debts stipulated in the contract are paid off. 1, working capital loan, generally not exceeding 1 year (including 1 year).

2. Revolving working capital loans, generally with a term not exceeding 1 year (inclusive).

3. The term of temporary loans is generally not more than 6 months.

4. The term of the packaged loan is from the date of lending to 1 month after the expiry date of the letter of credit (or the date of export negotiation).

5. The loan period for national key projects is generally not more than 5 years, and the longest for individual projects is not more than 7 years. Loans to foreign-invested enterprises shall not exceed 0 years before the end of the operating period stipulated in their business licenses.