Lpr interest rate and loan interest rate are converted into loan interest rate =(LPR+ personal credit risk plus points) × loan term ÷365+ benchmark interest rate. According to relevant public information, LPR(LoanPrimeRate) refers to the interest rate at which commercial banks issue loans to their best customers, and the loan interest rate is the loan interest rate charged by commercial banks to customers. The LPR interest rate is calculated according to the loan market quotation (LPR) published by the People's Bank of China.