First, the People's Bank of China has set a benchmark interest rate, and then commercial banks can float up and down on this interest rate. Why is the interest rate different from bank to bank? Because the access mechanism and risk management of each bank are different. Rural credit cooperatives and postal services both operate small-sum secured loans, which are the riskiest of all loans, and are issued entirely by virtue of the credit of the payer. Banks are also the profits that enterprises want, so they must raise interest rates to make up for the bad debt losses caused by risks.

Besides, you don't know the basic situation. When the interest rate is high, you guarantee the loan. For example, here, the secured loan is 9.956, but there are other loans, such as the mortgage loan is only 4.45, the real estate mortgage is only 6.75, the deposit certificate pledge is also 4.45, the peasant woman starts a business, the peasant poverty alleviation loan is only 2.225, and the student loan is still interest-free. So don't generalize without understanding.