Legal analysis: the loan interest rate is the interest rate charged to the borrower when banks and other financial institutions issue loans. It is roughly the loan interest rate of the central bank to commercial banks and the loan interest rate of commercial banks to customers; Interbank lending rate The decisive factor of bank loan interest is: 1, bank cost, and any economic activity needs cost-benefit comparison. Bank costs include borrowing costs, prepaid interest on borrowed funds, additional costs and normal business expenses; 2, the average profit rate, interest is the division of profits, interest must be less than the profit rate, the average profit rate is the highest limit of interest; 3. The supply and demand of borrowing money and funds, if the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns and political factors.

Legal basis: Provisions on the Administration of RMB Interest Rate Article 5 The People's Bank of China sets and adjusts the following interest rates: (1) The deposit and loan interest rates and rediscount interest rates of the People's Bank of China to financial institutions; (2) The deposit and loan interest rates of financial institutions; (3) Preferential loan interest rate; (4) Default interest rate; (5) Interest rate of interbank deposits; (6) the fluctuation range of interest rates; (7) others.