Legal analysis: the charging standard of loan guarantee company can be implemented according to 50% of the bank's loan interest rate for the same period. Opinions on strengthening the construction of credit guarantee system for small and medium-sized enterprises Article 7 In order to promote the sustainable development of guarantee institutions, the guarantee rate of guarantee institutions mainly engaged in loan guarantee for small and medium-sized enterprises is linked to their operating risk costs. The benchmark guarantee interest rate can be 50% of the bank's loan interest rate for the same period. The specific guarantee rate can fluctuate by 30%-50% on the basis of the benchmark rate according to the risk degree of the project, or it can be independently agreed by both parties after being approved by the supervision department of the guarantee institution.

Legal basis: Article 19 of the Measures for the Administration of Financing Guarantee Companies shall be determined by the financing guarantee company and the guaranteed party through consultation. Financing guarantee companies that are included in the risk sharing mechanism of financing guarantee promoted by the government will reduce the financing guarantee rates for small and micro enterprises and "agriculture, rural areas and farmers" in accordance with relevant state regulations.