Capital costs, risk compensation, and market competition.

1. Capital costs: As a financial institution, Oriental Financing Network needs to obtain funds from other channels to support its business operations. The funds may come from banks, investors or other financial institutions, which often charge a certain amount of interest. Therefore, Oriental Financing Network needs to pass on this part of the interest costs to borrowers to maintain the profitability of its business.

2. Risk compensation: When borrowers apply for loans from Oriental Financing Network, they need to bear certain risks, such as loan defaults, interest rate fluctuations, etc. In order to compensate for these risks, Oriental Financing Network may charge a certain amount of interest as risk compensation.

3. Market competition: In the financial market, competition among various financial institutions is very fierce. In order to attract more borrowers, Dongfang Financing Network may offer lower interest rates to attract customers. However, in order to maintain its profitability, Dongfang Financing Network may cover its costs and risks by charging interest for several years.