1% is called one centimeter, and ten times of one centimeter is called one point. The interest dichotomy should refer to the annual interest rate, that is, the annual interest rate is 20% and the monthly interest rate is 20%/ 12. If it is 5000 yuan, the monthly interest is 5000 * 20%/12 *1= 83.33 yuan. The annual interest is 5000 * 20%/12 *12 =1000 yuan. If it is 10000 yuan, the monthly interest is10000 * 20%/12 *1=166.67 yuan. The annual interest is10000 * 20%/12 *12 = 2000 yuan. Ok.