Business scope of civilian products: precious metals, diamond ornaments, precious clocks and watches, digital IT products, jewelry and jade, antique calligraphy and painting, high-grade leather goods, high-grade furniture, musical instruments, stamp cards, coins, etc.

I have been to Baoruitong Pawnshop, and their charging standard for civilian products is 4.2% monthly comprehensive service fee plus 0.5% interest rate. That's 4.7%. They are still quick, looking at things, pricing, issuing tickets and lending money.

I hope it helps you.