According to the regulations of the central bank, the benchmark interest rates for loans with a term of more than five years are 4% and 9%, and commercial banks can adjust the loan interest rates to some extent on the basis of the benchmark interest rates. The bank's loan interest rate can rise by 20% and fall by 65,438+00% on the basis of the benchmark interest rate set by the central bank, and the benchmark interest rate can rise by 20% or 5,88%.