Special loan discount funds: Re-lending refers to the enterprise or individual applying to the bank before the loan expires, and then applying to the bank for a new loan to repay the previous loan in the bank, that is, borrowing new loans from the bank and returning old ones. Under normal circumstances, special loans can not be borrowed from the new and returned to the old. Interest rate reduction is a measure taken by the central bank to change the cash flow of the whole market by adjusting interest rates. Interest rate cuts will transfer funds from banks, turn deposits into investment or consumption, increase the liquidity of funds, and encourage consumers to borrow money to buy large items. Therefore, if the financial market is cutting interest rates in an all-round way and the interest rate of new loan products is relatively low, then the interest rate can be reduced by refinancing. Lending is equivalent to reapplying for a new loan and replacing the old loan scheme, which can reduce the loan interest rate and make the repayment method more flexible. After refinancing, the borrower's loan interest rate is reduced, which is equivalent to raising special loan discount funds: refinancing refers to an enterprise or individual applying for a new loan from the bank before the loan expires, and repaying the loan before the bank repays it, that is, borrowing a new loan from the bank to repay the old one. Under normal circumstances, special loans can not be borrowed from the new and returned to the old. Interest rate reduction is a measure taken by the central bank to change the cash flow of the whole market by adjusting interest rates. Interest rate cuts will transfer funds from banks, turn deposits into investment or consumption, increase the liquidity of funds, and encourage consumers to borrow money to buy large items. Therefore, if the financial market is cutting interest rates in an all-round way and the interest rate of new loan products is relatively low, then the interest rate can be reduced by refinancing. Lending is equivalent to reapplying for a new loan and replacing the old loan scheme, which can reduce the loan interest rate and make the repayment method more flexible. After refinancing, the borrower's loan interest rate is reduced, which is equivalent to improving the utilization rate of funds.