# 借贷

## 借贷风险

CashCow的借贷不是信用贷，所以需要存入一定的资产后，才能进行借款。您可以存入不同的资产来赚取利息，也可以借出池中任意种类的资产来满足您的金融需求和获得区块奖励。当然，【质押资产】或者【借出资产】的价格会发生波动，系统为了避免债务和坏账，将会冻结质押资产并进行折价出售。

## 借贷款利率和计算公式

存借款挖矿APY计算公式：

存款挖矿APY=当前市场存款每块产出CCF*\*CCF价格 / 市场总存款价值 \**10512000 

借贷挖矿APY=当前市场借款每块产出CCF\**CCF价格 / 市场总借款价值 \**10512000 （10512000为BSC链每年出块数量）

利率浮动公式： 

借款当借出率小于拐点时，利率公式为：基础利率+ 利率乘数\**借出率* 

*当借出率大于拐点时 ，利率公式为：基础利率+ 利率乘数* \*拐点 +（借出率-拐点 ）\* 放大利率乘数

利息计算公式为： 

存款利息（(supplyRatePerBlock \**28800 + 1）^ 364 - 1) \**100% 

借款利息（(borrowRatePerBlock \**28800 + 1）^ 364 - 1) \**100%

## 利率模型

![](/files/-Mdm7VTIAT3w7BVI9oKG)


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