论文部分内容阅读
中国人民银行决定,自2015年10月24日起,下调金融机构人民币贷款和存款基准利率,以进一步降低社会融资成本。其中,金融机构一年期贷款基准利率下调0.25个百分点至4.35%,一年期存款基准利率下调0.25个百分点至1.5%,其他各档次贷款及存款基准利率、人民银行对金融机构贷款利率相应调整,但个人住房公积金贷款利率保持不变。与此同时,下调金融机构人民币存款准备金率0.5个百分点,以保持银行体系流动性合理充裕,引导货币信贷平稳适度增长。实际上,这已经是今年第五次降息和降准了。央行
The People’s Bank of China has decided that since October 24, 2015, the benchmark lending rates for RMB loans and deposits of financial institutions will be lowered to further reduce the social financing costs. Among them, the benchmark one-year lending rates of financial institutions were cut 0.25 percentage points to 4.35%, the benchmark one-year deposit rate was down 0.25 percentage point to 1.5%, the benchmark lending rates of other grades and benchmark interest rates of PBOCs, PBOC lending rates to financial institutions were adjusted accordingly , But individual housing provident fund loan interest rates remain unchanged. At the same time, the RRR of financial institutions should be lowered by 0.5% to keep the liquidity of the banking system adequately and rationally and to guide the steady and modest growth of money and credit. In fact, this is the fifth time this year cut interest rates and RRR. Central Bank