Calculated as 5.60% within half a year, 5.60% within one to three years, 6.00% within three to five years, and 6. 15% over five years. The Export-Import Bank of China's loan interest rates are set according to the benchmark interest rate of the central bank, and should be calculated according to the loan time. 5.60% for six months, 5.60% for one year, 6.00% for three years, 6.00% for five years, and 6. 15% for more than five years. Foreign trade is foreign trade, also known as "foreign trade" or "import and export trade", which refers to the exchange of goods and services between one country (region) and another.