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加息从2006年4月28日起中国人民银行上调金融机构贷款基准利率。金融机构一年期贷款基准利率上调0．27个百分点,由5．58%提高到5．85%,其他各档次贷款利率也相应调整。金融机构存款利率保持不变。自2006年5月8日起,个人住房公积金贷款利率也相应上调0．18个百分点,公积金存款利率保持不变,调整幅度小于商业性贷款利率,继续体现政策优惠。接着,8月19日,中国人民银行再次上调金融机构人民币存贷款基准利率。一年期存款、贷款基准利率均上调0．27个百分点。点评：加息往往意味着一次银根紧缩的开始,很显然一年内连续两次加息有其针对房地产行业发展过热,从而对其进行调控的目的性。套用一位金融专家的话来说：这次加息只是一个信号,调控不见成效,很有可能会一加再加。
Interest rate increase From April 28, 2006, the People’s Bank of China raised the benchmark interest rate for lending of financial institutions. The benchmark one-year lending rate of financial institutions was raised by 0.27 percentage points from 5.58% to 5.85%. Other lending rates of all grades were also adjusted accordingly. Financial institutions deposit rates remain unchanged. Since May 8, 2006, the personal housing accumulation fund loan rate has also been raised by 0.18 percentage points. The deposit interest rate of the provident fund has remained unchanged. The adjustment rate is smaller than the commercial loan interest rate and the policy concessions continue to be reflected. Then, on August 19, the People’s Bank of China once again raised the benchmark deposit and loan interest rates of financial institutions. One-year deposits, lending benchmark rates were up 0.27 percentage points. Comments: rate hike often means the beginning of a monetary tightening, it is clear that twice a year to raise interest rates for its real estate industry overheated, so as to regulate its purpose. To put it in the words of a financial expert, this rate hike is only a signal that regulation will not be effective and is likely to add one more time.