💹 年利率月利率日利率换算（含几分几厘）Annual / Monthly / Daily Interest Rate Converter

使用说明与常见问题How-to & FAQ

「年利率月利率日利率换算（含几分几厘）」是什么？What is the Annual / Monthly / Daily Interest Rate Converter tool?

年利率、月利率、日利率互相换算，支持民间借贷常说的「月息几分」「年息几厘」「日息万分之几」，同时计算每万元利息，并按 4 倍 LPR 判断民间借贷利率是否受法律保护。Convert between annual, monthly and daily interest rates, including Chinese informal terms like “月息 X 分” and “年息 X 厘”, see the interest per ¥10,000, and check a private-loan rate against China’s 4× LPR legal cap.

如何使用「年利率月利率日利率换算（含几分几厘）」？How do I use the Annual / Monthly / Daily Interest Rate Converter?

输入利率数值并选择它的写法（如「月息 1.5 分」就选「月息 X 分」填 1.5），选择一年按 360 天还是 365 天计。下方显示所有写法的换算结果；如果是个人之间的借款，还会根据合同成立时的一年期 LPR 判断是否超过法定上限。Enter the rate and pick how it is expressed (for “月息 1.5 分” choose Monthly X 分 and enter 1.5), and choose a 360- or 365-day year. All equivalent forms are shown; for private loans the rate is also checked against the cap based on the 1-year LPR at the time the contract was made.

「几分几厘」是多少？What do 分 and 厘 mean?

民间说法里，月息 1 分 = 月利率 1% ≈ 年利率 12%，月息 1 厘 = 0.1%；年息 1 分 = 年利率 10%，年息 1 厘 = 1%；日息 1 厘 = 0.01%（万分之一）。同样说「几分」，按年、按月、按日差别很大，签合同时要写清楚。In informal Chinese usage 月息 1 分 means 1% a month (≈12% a year) and 1 厘 is 0.1% a month; 年息 1 分 is 10% a year and 1 厘 is 1%; 日息 1 厘 is 0.01% a day. The same word means very different rates per year, month or day, so contracts should spell it out.

民间借贷利率上限是多少？What is the legal cap on private loans in China?

根据最高人民法院 2020 年修订的民间借贷司法解释，2020 年 8 月 20 日以后成立的借贷，利率不超过合同成立时一年期 LPR 的 4 倍才受保护。2026 年 10 月 20 日公布的一年期 LPR 为 3.0%，对应上限 12%。LPR 每月 20 日公布，请按合同成立时的数值填写。此规定不适用于银行等持牌金融机构。Under the Supreme People’s Court rules revised in 2020, loans made on or after 20 Aug 2020 are protected up to 4× the 1-year LPR in force when the contract was made. The 1-year LPR published on 20 Oct 2026 is 3.0%, giving a 12% cap. LPR is published on the 20th of each month — use the value at your contract date. Licensed lenders such as banks are not covered by this rule.

为什么有 360 天和 365 天两种算法？Why 360 or 365 days?

银行传统上按一年 360 天、一个月 30 天把年利率折算成日利率；也有合同按 365 天计算。两者得到的日利率相差约 1.4%，以合同约定为准。Banks traditionally convert annual to daily rates with a 360-day year; some contracts use 365 days. The daily rates differ by about 1.4% — follow your contract.

「年利率月利率日利率换算（含几分几厘）」免费吗？数据会上传吗？Is the Annual / Monthly / Daily Interest Rate Converter free? Is my data uploaded?

「年利率月利率日利率换算（含几分几厘）」完全免费，无需注册或安装，手机和电脑都能用；所有处理都在你的浏览器本地完成，输入的内容和文件不会上传到服务器。The Annual / Monthly / Daily Interest Rate Converter is completely free with no sign-up or install and works on phones and desktops; everything runs locally in your browser and nothing you enter is uploaded.