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2012年6月到7月,央行两次下调存贷款基准利率的同时调整利率浮动区间:一是调整存款利率上浮区间的上限至基准利率的1.1倍,二是调整贷款利率下浮区间分别至0.8倍和0.7倍。这是“利率市场化”改革进程中的一次标志性事件,意味着改革步伐稳步加速推进,其对宏观国民经济的改革发展与微观层面的企业经营都具有深远意义。农发行作为农业政策性银行,在以利率市场化为核心的金融深化路径下,面临资产负债经
From June to July 2012, the PBOC lowered the benchmark interest rates for deposits and loans twice while adjusting the floating range of interest rates. First, it adjusted the upper limit of the floating rate of deposit interest rates to 1.1 times of the benchmark interest rate. Second, it adjusted the lending rates of floating rates to 0.8 times And 0.7 times. This is a landmark event in the process of “interest rate liberalization” reform, which means that the pace of reform is steadily accelerating and has far-reaching significance for the reform and development of macro-national economy and the management of enterprises at the micro level. Agricultural Development Bank, as an agricultural policy bank, faces the problem of asset and liability under the path of financial deepening with the marketization of interest rate as the core