In the first half of 2022, the national interest rate of new loans for inclusive small and micro enterprises was 5.35%, which was 0.35 percentage points lower than that of 20021year, the lowest in history. According to relevant public information, with the service focus of state-owned banks sinking in recent years, a large number of small and micro loans are put in at low interest rates, resulting in a sharp drop in interest rates of small and micro loans.