According to whether the interest rate level changes during the monetary fund lending relationship, the loan interest rate can be divided into fixed interest rate and floating interest rate. Floating interest rate refers to the interest rate that is adjusted accordingly with the change of price or other factors during the loan period. Lenders and borrowers can agree that the interest rate can be adjusted with the price or other market interest rates when signing the loan agreement. Floating interest rate can avoid some disadvantages of fixed interest rate, but the calculation basis is diverse and the procedures are complicated. China's medium-and long-term savings deposit subsidy method is a form of floating interest rate system. Interest rates can be adjusted at any time according to changes in market interest rates. Common basic interest rate plus calculation. Usually, the loan interest rate or commercial paper interest rate of the most reputable enterprises in the market is set as the basic interest rate, and on this basis, 0.5 to 2 percentage points are added as the floating interest rate. Repay the principal at face value at maturity, and pay interest at floating rate according to the specified interest payment period. Characteristics of floating interest rate: 1. The change of interest rate can sensitively reflect the supply and demand of funds in the financial market; 2. The risk of interest rate changes borne by both borrowers and borrowers is relatively small; Advantages and disadvantages of fixed interest rate and floating interest rate: fixed interest rate and floating interest rate have their own advantages and disadvantages. Interest rate classification loan interest rates can be divided into long-term loan interest rates and short-term loan interest rates according to the loan term, and can be divided into floating interest rates and fixed interest rates according to whether they are floating or not, such as various medium-and long-term bond interest rates and various medium-and long-term loan interest rates, which are all interest rates in the capital market.