Bank of China loan interest rate refers to the interest rate charged by Bank of China to provide loans to customers. As one of the five largest state-owned commercial banks in China, the loan interest rate of Bank of China is one of the important indicators in the domestic banking industry.

Bank of China provides a wide variety of loans, including personal housing loans, personal auto loans, business loans, etc., and the interest rates of each type of loan are different. In addition, the loan interest rate of the Bank of China is also affected by the central bank's interest rate policy. The central bank adjusts the interest rate policy to affect the loan interest rate level of the entire banking industry.

Bank of China's loan interest rate is usually divided into two types, one is the base rate and the other is the floating rate. The benchmark interest rate is the standard interest rate formulated by the bank, which is adjusted according to factors such as the country's macroeconomic situation and the bank's own operating conditions. Floating interest rate is a loan interest rate adjusted according to factors such as customer credit rating and collateral value, which is more flexible than the benchmark interest rate.

In recent years, the central bank has used policy measures such as counter-cyclical adjustments to control the level of bank loan interest rates in order to adapt to the economic situation and market demand. At the same time, Bank of China has also stepped up the supervision of loan interest rates, strengthened the disclosure and transparency of loan interest rates, and protected the rights and interests of customers.

Generally speaking, the Bank of China's loan interest rate is formulated and adjusted according to factors such as the central bank's interest rate policy and market supply and demand conditions. Customers should pay attention to the loan type and interest rate form when choosing a loan, and need to choose a loan plan that suits them according to their own conditions. At the same time, customers should also understand relevant policies and regulations to protect their legitimate rights and interests.