> For the complete documentation index, see [llms.txt](https://support.backpack.exchange/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.backpack.exchange/support-docs/cn/jiao-yi-suo/jie-dai/li-yongl-lil-feng-xian/li-l.md).
# 利率
### **什么是利率？**
**利率**代表借入资产的成本，或出借人提供流动性所获得的收益。利率通常是**浮动的**，会根据市场情况动态调整，主要由**利用率**（资金池中已被借出的资金占比）驱动。
***
### **利率是如何决定的？**
1. **基于利用率的模型**
* 当**利用率较低**时，借款需求较弱 → 利率较低。
* 当**利用率较高**时，借款需求较强 → 利率上升，以鼓励还款并吸引更多存款。
2. **借款利率**
* 这是借款人为借入资产支付的利率。
* 该利率会根据资金池的利用率水平动态调整。
3. **出借（存款）利率**
* 这是出借人因提供资产而获得的收益。
* 它来源于借款利率，并在扣除交易所/协议手续费（如适用）后确定。
***
### **为什么利率会变化？**
* **市场供需：** 借款增加会推高利率，而存款增加会降低利率。
* **流动性状况：** 高利用率会推高利率，以激励出借人提供更多流动性。
* **平台风险管理：** 动态调整有助于维持平衡，并防范流动性短缺。
***
### 如何查看当前的借贷利率？
1. 点击 **借出 (Lend)** 进入借贷页面。
2. 您即可查看不同代币的**实时借款利率和出借利率**。
{% hint style="info" %}
### **👉**[**进一步了解与利率相关的内容**](/technical-docs/cn/jie-dai/li-yonglyu-li-l.md)
{% endhint %}
---
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