Not tall. The base interest rates of 4.9 and 5.35 are not high, and both commercial loans have risen by 30% to 6.37, so 5.35 is not high. The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.