融资融券的利率现在哪家公司最低？最低是多少怎么开通？

Group 1 - The concept of margin trading, also known as credit trading, involves investors borrowing funds or securities from qualified securities companies to trade listed securities [1] - Margin trading can be divided into two types: financing, where investors borrow money to buy stocks they believe will rise, and securities lending, where investors borrow stocks to sell them short, betting on a price decline [2][3] - The financing process allows investors to amplify their potential returns in a bull market, while securities lending provides opportunities to profit from price declines in a bear market [8] Group 2 - The minimum requirements for opening a margin trading account include having at least six months of trading experience, an average asset of 500,000 yuan over the last 20 trading days, and being between 18 to 70 years old [4] - The account opening process can be completed online or offline, with specific documentation and procedures required [5][6] - Each individual is limited to opening margin trading accounts at only one securities company [7] Group 3 - Margin trading allows for a dual mechanism where investors can take both long and short positions, increasing trading opportunities [9] - Key terms in margin trading include collateral, which can be cash or stocks, and the margin ratio, which is the minimum required collateral to secure borrowed funds [10][11] - The contract period for margin trading is generally six months, with the option to apply for an extension by paying interest [12]