As of 2019, taking the China Development Bank as an example:

1. Short-term loans

1. Six months (inclusive), annual interest rate 4.35

2. Six months to one year (inclusive), annual interest rate 4.35

2. Medium and long-term loans

1. One to five years (inclusive), annual interest rate 4.75

2. Three to five years (inclusive), the annual interest rate is 4.90

3. More than five years, the annual interest rate is 4.90

According to the regulations of the People's Bank of China, At present, the loan interest rates of various banks can float freely, so the loan interest rates of various banks' loans will be different, and the interest required for the loans will be different.

Basic loan interest rate:

(Loan Prime Rate, referred to as LPR) is the loan interest rate implemented by commercial banks for their best customers. Other loan interest rates can be added or subtracted on this basis. generate. The centralized quotation and release mechanism of the loan base interest rate is based on the quoting bank's independent reporting of the bank's loan base interest rate. The designated issuer calculates the weighted average of the quotes to form the average interest rate of the quoting bank's loan base interest rate quote and publish it to the public. In the early stages of operation, the one-year loan base interest rate will be announced to the public.

China Development Bank - China Development Bank RMB loan interest rate table

Credit refers to the form of value movement conditional on repayment and interest payment. Usually includes credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans. In a broad sense, it is the same as "credit". Credit is an important form of paid mobilization and allocation of funds in socialist countries and a powerful lever for economic development. The occurrence of loan risks often begins during the loan review stage. Based on the disputes that occur in judicial practice, it can be seen that the risks that arise during the loan review stage mainly occur in the following links.

(1) Omissions of review content. The bank's loan review staff failed to register one loan, causing credit risk. Loan review is a meticulous work that requires investigators to conduct systematic inspection and investigation on the qualifications, qualifications, credit, and property status of the loan subject. In practice, some commercial institutions will cause a large amount of capital losses, bad debts, etc. due to this item.

(2) No due diligence. In practice, relevant loan review personnel often only focus on document identification and lack due diligence. In this way, it is difficult to identify fraud in loans, resulting in credit risks.

(3) Wrong judgment. The bank did not seek expert opinions or let professionals make professional judgments on the relevant content. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects.