The appropriate net interest rate depends on factors such as industry, company size and business model.

Generally speaking, the net interest rate is higher than the average level of the same industry to calculate good performance. In manufacturing, it is generally believed that the net interest rate is between 5%- 10%. Retail, catering and other low-profit industries, the net interest rate may be lower, generally considered to be between 2% and 5%. For high-growth industries such as technology companies and Internet companies, the net interest rate may be higher, which is generally considered to be between 15%-30%.