What factors exactly determine the interest rate in game?

[counting]

In most of my game, the interest rate shoot right up to 10.50% max in the first year, and stay that high for 20+ years, it's really unrealistic. And sometime when I test in lower difficulty setting, it will drop down a little, but still mostly stay very high.

I wonder besides central bank chairman's personality and money supply/demand (I think related to economic states and difficulty, perhaps?), what else exactly affect the interest rate in game?

[David]

We have improved the bank loan interest rate simulation algorithm. You may download the latest v2.5.06 which contains this improvement: http://www.capitalismlab.com/forum/view ... =10&t=1897

Below is a screenshot with the interest rate movement in the latest version.

[counting]

OK, I'll need to restart a new world to check it out