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2012年6月7日,中国人民银行宣布下调存贷款利率25个基点,同时放宽利率浮动区间,即将金融机构存款利率浮动区间的上限调整为基准利率的1.1倍,而将贷款利率浮动区间的下限调整为基准利率的0.8倍。2012年7月6日,中国人民银行再次下调存贷款利率,将金融机构贷款利率浮动区间的下限调整为基准利率的0.7倍。两次放宽利率浮动区间,表明我国利率市场化改革迈出实质性步伐。
On June 7, 2012, the People’s Bank of China announced that it will cut its deposit and lending rates by 25 basis points and relax the floating range of interest rates. That is, the upper limit of the floating range of deposit interest rates of financial institutions will be adjusted to 1.1 times the benchmark interest rate, while the lower limit of the floating range of lending rates Adjusted to 0.8 times the benchmark interest rate. On July 6, 2012, the People’s Bank of China cut the deposit and lending rates again and adjusted the lower limit of the floating range of lending rates of financial institutions to 0.7 times the benchmark interest rate. Two relaxation of the floating range of interest rates shows that our country’s interest rate marketization reform has taken substantive steps.