Answer 4 belongs to the net interest part that should be included in GDP.

The detailed reasons are as follows:

Net interest refers to the interest paid by the borrowing enterprise to the family department, or more accurately, it refers to the net interest paid by the enterprise in excess of the interest received from other departments plus the net interest received from abroad.

The main sources of bank loans are private savings and free funds. Therefore, answer 4 can actually be regarded as a personal loan to an enterprise, which is also an obvious indirect financing method.

Here, other departments refer to the family department. On the one hand, the family sector will receive interest income from industrial and commercial enterprises (such as buying corporate bonds) and banks (such as bank deposits); On the other hand, it will pay interest through loans (such as consumer installment), and the former will deduct the balance of the latter, which is the net interest earned by the family sector. Net interest should be included in GDP as income. However, it should be noted that the interest of government bonds can not be included in GDP as net interest, but can only be used as transfer payment.

In addition, interest payments between individuals, enterprises and the government are not included.