The interest rate of individual short-term loans (within six months, including six months) of Agricultural Bank is 4.35%, the interest rate of loans for six months to one year (including one year) is 4.35%, the interest rate of loans for one year to three years (including three years) is 4.75%, and the interest rate of loans for more than five years is 4.9%.

The predecessor of China Agricultural Bank can be traced back to the Agricultural Cooperative Bank established by 195 1. Since the late 1970s, banks have experienced different stages of development, such as national specialized banks, wholly state-owned commercial banks and state-controlled commercial banks.