There are many factors that affect interest rate changes, including: ① Average profit rate. It must be higher than the interest rate, and loans will only be made when the average profit rate is greater than the interest rate. ②The supply and demand relationship of loan funds. This is a very broad range of factors that affect interest rates. When there is a lot of money in society, there is less demand from companies, fewer loans, more deposits, low profits, and low interest rates; conversely, when banks have no money, but companies lend a lot of money, the interest rates are high. ③Influence of national economic policies. The country needs to adopt two policies, one is to loosen money and the other is to tighten money. When the economy is booming, money is tightened and interest rates are raised to prevent overheating; when the economy is depressed, money is loosened and interest rates are lowered. ④International interest rate levels. Interest rate is the price of currency. The flow of international funds is affected by interest rates, and funds will flow to countries with relatively high interest rates. If the rate is 10% in the United States and 2% in China, money will flow to the United States. At this time, China will raise interest rates to attract foreign investment. If we raise it to 12%, money will flow to China.