In terms of reducing the internal interest rate of enterprises: First, fully reflect the dividends generated by enjoying preferential policies in the loan interest rate pricing and internal performance appraisal of small and micro enterprises, and reasonably determine the loan interest rate of small and micro enterprises. The second is to strictly implement the policy of fee reduction and exemption and take the initiative to reduce fees and make profits. The third is to make full use of advanced technologies such as big data to improve the timeliness of credit approval and lending and reduce the intermediate costs of small and micro enterprises. Fourth, reasonably increase the proportion of credit loans, and correspondingly reduce the burden of corporate guarantee fees, collateral assessment fees and other expenses. Fifth, innovate credit products, increase support for loan renewal, and effectively reduce the capital turnover cost of small and micro enterprises ~