(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%.

(2) The interest rate of rural microfinance is generally 65,438+00% higher than the benchmark interest rate, or even higher, depending on the situation.