At present, the latest benchmark interest rates for bank loans announced by the People's Bank of China are: 4.35% for loans from 0 to June (including June), 4.35% for loans from 6 to 1 year (including 1 year), 1-3 years (including 3 years) and 3-5 years (including 5 years). On this basis, there will be appropriate downward floating or upward floating.