At present, due to national macro-control, inflation control and tight monetary policy, bank credit funds have been obviously tight. It is understood that many banks have no money to lend now, and even some banks with credit stocks have correspondingly increased the floating range of interest rates. Therefore, at present, it is not a question of interest rate, but whether you can get a loan. Therefore, I suggest you consult several banks to see if they have loans. On this premise, let's answer your question: Yes, the benchmark interest rate for deposits and loans is set by the central bank. According to regulations, deposit-taking financial institutions must strictly implement the central bank's benchmark interest rate, so it is unified throughout the country. However, the central bank's restrictions on loan interest rates should be relatively relaxed, giving financial institutions of different natures different rights to float loan interest rates, among which the floating range of the four major state-owned commercial banks is relatively small. Therefore, under the premise of rapid economic development and strong credit demand, banks generally use adequate policies to raise floating interest rates. In this way, the loan interest rates of the four major banks are relatively low, which is much more cost-effective than other banks. Therefore, if you want to borrow money, it is recommended to consult the four major banks.