Legal analysis: According to the regulations, when applying for provident fund loans, the loan amount is calculated based on the borrower's current monthly provident fund deposit. The calculation of loan amount is closely related to factors such as the deposit of provident fund, the age of employees, family income, personal credit score in Fuzhou, and the number of times of using provident fund loans.

Legal basis: Provisions on the Administration of RMB Interest Rate

Article 2 All financial institutions, postal savings departments, other legal persons, natural persons and other organizations engaged in RMB deposit and loan business in People's Republic of China (PRC) (excluding Hongkong, Macau and Taiwan Province Province) shall abide by these Provisions.

Article 3 The People's Bank of China is the competent interest rate authority authorized by the State Council, which exercises the interest rate management right on behalf of the state according to law, and no other unit or individual may interfere.