中国启动贷款利率市场化机制

_blank class=infotextkey>g>参考_blank class=infotextkey>get=_blank class=infotextkey>消息网8月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>21日_blank class=infotextkey>报道_blank class=infotextkey>g> _blank class=infotextkey>get=_blank class=infotextkey>港媒称，内_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>20日_blank class=infotextkey>get=_blank class=infotextkey>通过_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>新的_blank class=infotextkey>get=_blank class=infotextkey>市场化报价机制_blank class=infotextkey>get=_blank class=infotextkey>下调了_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率，_blank class=infotextkey>get=_blank class=infotextkey>通过适度_blank class=infotextkey>get=_blank class=infotextkey>放松_blank class=infotextkey>get=_blank class=infotextkey>货币_blank class=infotextkey>get=_blank class=infotextkey>条件为_blank class=infotextkey>get=_blank class=infotextkey>世界_blank class=infotextkey>第二_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>提供_blank class=infotextkey>get=_blank class=infotextkey>支持。

据_blank class=infotextkey>get=_blank class=infotextkey>香港《_blank class=infotextkey>get=_blank class=infotextkey>南华早报》_blank class=infotextkey>网站8月_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>日报道，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>下属机构_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>get=_blank class=infotextkey>银行间同业_blank class=infotextkey>get=_blank class=infotextkey>拆借_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心称，_blank class=infotextkey>get=_blank class=infotextkey>新的一年期_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>市场报价_blank class=infotextkey>get=_blank class=infotextkey>利率（LPR）为4._blank class=infotextkey>get=_blank class=infotextkey>25%。这一_blank class=infotextkey>get=_blank class=infotextkey>利率是18家指_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>银行对各自_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>客户执_blank class=infotextkey>get=_blank class=infotextkey>行的_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率的_blank class=infotextkey>get=_blank class=infotextkey>平均值。

_blank class=infotextkey>报道_blank class=infotextkey>get=_blank class=infotextkey>注意到，这一_blank class=infotextkey>get=_blank class=infotextkey>新_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>低于此前的LPR（4._blank class=infotextkey>31%），也_blank class=infotextkey>get=_blank class=infotextkey>低于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>原来的_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率（4._blank class=infotextkey>35%）。_blank class=infotextkey>get=_blank class=infotextkey>五年期以_blank class=infotextkey>get=_blank class=infotextkey>上LPR为4.85%。

_blank class=infotextkey>get=_blank class=infotextkey>香港交银_blank class=infotextkey>get=_blank class=infotextkey>国际_blank class=infotextkey>控股_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司董事总_blank class=infotextkey>get=_blank class=infotextkey>经理洪灏说：“此次_blank class=infotextkey>get=_blank class=infotextkey>降幅_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>大。这更像是一次_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>长期_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>改革。其_blank class=infotextkey>get=_blank class=infotextkey>短期_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>限，尤其是_blank class=infotextkey>get=_blank class=infotextkey>参与这一_blank class=infotextkey>get=_blank class=infotextkey>利率机制的_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有强烈动机在净息差变窄的_blank class=infotextkey>get=_blank class=infotextkey>背景_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>下调_blank class=infotextkey>get=_blank class=infotextkey>自己的_blank class=infotextkey>get=_blank class=infotextkey>利率。”

然而，他说：“_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中央_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>下调_blank class=infotextkey>get=_blank class=infotextkey>中期借贷便利（MLF）_blank class=infotextkey>get=_blank class=infotextkey>利率是_blank class=infotextkey>get=_blank class=infotextkey>值得等待的。”

_blank class=infotextkey>报道称，_blank class=infotextkey>get=_blank class=infotextkey>万江，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行17日宣_blank class=infotextkey>get=_blank class=infotextkey>布，_blank class=infotextkey>get=_blank class=infotextkey>要求各_blank class=infotextkey>get=_blank class=infotextkey>银行参照MLF而_blank class=infotextkey>_blank class=infotextkey>不是_blank class=infotextkey>get=_blank class=infotextkey>官方_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率来_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率报价。_blank class=infotextkey>get=_blank class=infotextkey>官方_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率的变动_blank class=infotextkey>get=_blank class=infotextkey>必须经过_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>国务院的批准。_blank class=infotextkey>get=_blank class=infotextkey>理论_blank class=infotextkey>get=_blank class=infotextkey>上，.fan_blank class=infotextkey>g558.com/chan_blank class=infotextkey>gan/ tar_blank class=infotextkey>get=_blank class=infotextkey>长安，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>央行_blank class=infotextkey>get=_blank class=infotextkey>能够_blank class=infotextkey>get=_blank class=infotextkey>通过_blank class=infotextkey>get=_blank class=infotextkey>调整_blank class=infotextkey>get=_blank class=infotextkey>银行间_blank class=infotextkey>get=_blank class=infotextkey>市场的MLF_blank class=infotextkey>get=_blank class=infotextkey>利率来_blank class=infotextkey>get=_blank class=infotextkey>改变抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款和_blank class=infotextkey>get=_blank class=infotextkey>其他借贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的_blank class=infotextkey>get=_blank class=infotextkey>利率，因为_blank class=infotextkey>get=_blank class=infotextkey>银行间_blank class=infotextkey>get=_blank class=infotextkey>市场的MLF_blank class=infotextkey>get=_blank class=infotextkey>利率完_blank class=infotextkey>get=_blank class=infotextkey>全处于_blank class=infotextkey>央行_blank class=infotextkey>get=_blank class=infotextkey>控制之_blank class=infotextkey>get=_blank class=infotextkey>下。