1. The Agricultural Bank of Tibet usually refers to the interest rate level of the same type of loan products in the market to determine its own interest rate. The fluctuation of market interest rate and the pricing strategy of competitors will have an impact on the online loan interest rate of Tibet Agricultural Bank.

2. Risk assessment: The bank will assess the borrower's credit status when determining the loan interest rate. The borrower's credit rating, repayment ability and financial situation will all affect the setting of interest rate. The higher the risk assessment, the higher the interest rate.

3. Policy and regulatory requirements: The loan interest rate of banks is also affected by the policies and requirements of the government and regulatory agencies. The government will formulate relevant policies to guide the bank's loan interest rate level, so as to promote economic development or control financial risks.