Since July 6th, 20 12, the People's Bank of China has decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions. The benchmark interest rate for one-year deposits of financial institutions is lowered by 0.25 percentage point, and the benchmark interest rate for one-year loans is lowered by 0.3 1 percentage point; Since then, the loan interest rate has not been adjusted until September 20 13, and the benchmark interest rate for three-year loans in September 20 13 is 6. 15%.

Note: The People's Bank of China allows the floating coefficient to be 1.2, so the benchmark range of 3-year loans is 5. 1.25%-7.38%.