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What does the loan interest rate discount (times) 1.0 mean?
Adjust the loan interest rate according to multiples of the original interest rate.

In this case, the discount factor of 1.0 means that there is no discount or adjustment, that is, the original loan interest rate remains unchanged. When the discount coefficient is less than 1.0, it means that a certain degree of discount has been given or the loan interest rate has been reduced; Greater than 1.0 indicates that the loan interest rate has increased.