Legal analysis: the interest rate is 4.35% for one year or less, 4.75% for one year to five years (inclusive) and 4.90% for more than five years. Pledged loan refers to a kind of credit business in which the borrower obtains a certain amount of loan from the lending bank and repays the principal and interest of the loan on schedule with the unexpired personal time deposit certificate in local and foreign currencies issued by the lending bank (some banks mortgage the deposit certificate issued by other financial institutions that have signed a guarantee commitment agreement with the bank) as collateral. The longest loan term of the pledged loan shall not exceed one year or the maturity date of the certificate of deposit; The starting point of the pledged loan amount is generally 5,000 yuan, and each loan does not exceed 90% of the pledged value of the certificate of deposit, and the maximum amount can reach 95% of the pledged value; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and may be up to 65,438+00% depending on the borrower's situation.

Legal basis: Article 3 of the Law of People's Republic of China (PRC) City on Commercial Banks can engage in some or all of the following businesses: (1) Absorbing public deposits; (2) Short-term, medium-term and long-term loans; (3) Handling domestic and international settlement; (4) Handling bill acceptance and discount; (5) Issuing financial bonds. (6) Acting as an agent to issue, honor and underwrite government bonds; (7) buying and selling government bonds and financial bonds; (eight) engaged in interbank lending; (9) Acting as an agent for buying and selling foreign exchange; (ten) engaged in bank card business; (eleven) to provide letter of credit services and guarantees; (12) Agency payment and insurance agency business; (thirteen) to provide safe deposit box services; (14) Other businesses approved by the State Council Banking Regulatory Authority. The business scope shall be stipulated in the articles of association of the commercial bank and reported to the the State Council Banking Regulatory Authority for approval. With the approval of the People's Bank of China, commercial banks can engage in foreign exchange settlement and sale business.