Legal analysis: You can do business through bank loans. The operating loan interest rate fluctuates according to the benchmark interest rate of the central bank loan, and the floating ratio is based on the qualifications and credit of the applicant. The benchmark interest rate of the central bank loan is:

1. Within one year (including one year) of the loan, the interest rate is 4.35%.

2. The loan lasts for one to five years (including five years), and the interest rate is 4.75%.

3. If the loan is over five years, the interest rate is 4.9%.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases

Article 26 If the interest rate agreed by the borrower and the lender does not exceed the annual interest rate of 24%, the people's court shall support it. The interest rate agreed by the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement exceeding the part is invalid. The people's court shall support the borrower's request to the lender to return the interest paid in excess of 36% of the annual interest rate.

article 27 the amount of loan stated in debt certificates such as IOUs, receipts and IOUs is generally recognized as the principal. If interest is deducted from the principal in advance, the people's court shall recognize the actual amount lent as the principal.

Article 28 After the borrower and lender settle the principal and interest of the previous loan, they will include the interest in the later loan principal and reissue the creditor's rights certificate. If the previous interest rate does not exceed the annual interest rate of 24%, the amount stated in the reissued creditor's rights certificate can be recognized as the later loan principal; The excess interest cannot be included in the later loan principal. If the agreed interest rate exceeds the annual interest rate of 24%, and the parties claim that the excess interest cannot be included in the later loan principal, the people's court shall support it. According to the calculation in the preceding paragraph, the sum of the principal and interest that the borrower should pay after the expiration of the loan period cannot exceed the sum of the initial loan principal and the interest of the whole loan period based on the initial loan principal at an annual interest rate of 24%. If the lender requests the borrower to pay the excess, the people's court will not support it.