1, financial lending is an act that users borrow money from banks, which can also be called bank loans. Financial lending institutions mainly include domestic banks, foreign banks, investment banks, savings and loan associations, credit cooperatives and other financial companies.

2. The interest rate of financial loans is based on the benchmark interest rate of the central bank, and fluctuates with the adjustment of the central bank's interest rate, with a fluctuation range of about 6%. Borrowing in a broad sense refers to the general name of borrowing funds, including loans, discounts and overdrafts.