中国人民银行各分行、营业管理部,各政策性银行、国有独资商业银行、股份制商业银行,国家邮政局邮政储汇局:为稳步推进利率市场化改革,进一步改善金融服务,营造公平竞争的市场环境,经国务院批准,中国人民银行决定扩大金融机构贷款利率浮动区间,同时下调金融机构超额准备金存款利率。现就有关事宜通知如下:一、扩大金融机构贷款利率浮动区间(一)自2004年1月1日起,扩大金融机构贷款利率浮动区间。贷款利率浮动区间不再根据企业所有制性质、规模大小分别制定。商业银行、城市信用社贷款利率浮动区间扩大到[0.9,1.7],即商业银行、城市信用社对客户贷款利率的下限为基准利率乘以下限系数0.9,上限为基准利率乘以上限系数1.7;农村信用社贷款利率浮动区间扩大到[0.9,2],即农村信用社 PBC branches, business management departments, policy banks, state-owned commercial banks, joint-stock commercial banks, and postal savings and remittance bureau of the State Post Bureau: In order to steadily push forward marketization of interest rates, further improve financial services and create a level playing field , The approval of the State Council, the People’s Bank of China decided to expand the floating range of lending rates of financial institutions, while reducing the interest rate for excess reserves of financial institutions. We hereby notify you of the relevant issues as follows: I. Expanding the Floating Rate of Loan Interest Rates of Financial Institutions (I) Starting from January 1, 2004, the floating range of lending rates of financial institutions will be expanded. Loan interest rate floating range is no longer based on the nature of the ownership of enterprises, the size of the development. Commercial banks and urban credit cooperatives have expanded the floating range of loan interest rates to [0.9, 1.7]. That is, the lower limit of the loan interest rates of commercial banks and urban credit cooperatives to customers is the benchmark interest rate multiplied by the lower limit factor of 0.9 and the upper limit of the benchmark interest rate multiplied by the ceiling factor of 1.7. RCC lending rate floating range expanded to [0.9,2], that is, rural credit cooperatives