Whether you are a bank or an enterprise, for a bank, the loan cost is the risk cost, the capital cost and the provision cost. For enterprises, the nine-month loan depends on the interest rate, not necessarily the one-year cost interest rate. It depends on whether it is a six-month working capital loan or a one-year working capital loan, or it may be a long-term project capital loan interest rate.

If it is a one-year working capital loan, it will be calculated according to the one-year cost interest rate.