Apply for pledged loan through online banking/mobile banking, and the loan interest rate will rise moderately according to the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, which is subject to the local branch's implementation interest rate. The loan term is less than or equal to half a year, and the annual interest rate is half a year; Less than or equal to 1 year for more than half a year, and the annual interest rate is 1. If the actual loan term is shorter than 30 days (excluding), the loan interest rate will rise by 30% on the basis of the benchmark interest rate. In case the People's Bank of China adjusts the interest rate, the loan contract interest rate will still be implemented.