Legal analysis: the benchmark interest rate of bank loans is around 6%, and the interest rate of corporate loans is generally 30% to 50% higher than the benchmark interest rate. If additional requirements derived from deposits such as deposit pledge and Yin Cheng billing are included, the comprehensive interest rate is generally around 10%. The interest rate of enterprise financing loan is related to the purpose, nature, term, policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when issuing loans: (1) The capital adequacy ratio shall not be less than 8%; (2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%. (3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%. (4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio. If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.