1. The loan interest of Cangzhou Bank in Cixian County is 4.35 for short-term loans within one year (including one year), 4.75 for medium-and long-term loans from one year to five years (including five years) and 4.90 for more than five years.

2. The interest rate agreed by the borrower and lender of Cangzhou Bank in Cixian County exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the interest paid in excess of 36% per annum.