The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate. The loan interest rate of rural credit cooperatives will fluctuate on the loan benchmark. The benchmark loan interest rate is: one-year loan interest rate of 4.35%, 1-5-year loan interest rate of 4.75%, and loan interest rate of more than 5 years of 4.90%. The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives, and rural credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3 times of the benchmark interest rate.