????:1???95?:???????

2???????????

3????????

4?????VX

5?????

????????????/????

?????????

???22??????(LPR)???:1????LPR??????????????????????????????????3.35%,5????????LPR?3.85%???????,1???????????5????????LPR?????????10????????????

??,??????,??????????????????,??????

?????????????????LPR???????????????

????,????????7????????????????MLF?,7????????????LPR???10bp?????????????,????????????????

????7?,????????????????????,????????,???????,??????,??????????,???????????“?????????”??????????,?????LPR????????????

?,??,????????????????????,?????6????????????,????????????????,???

“?????5??LPR,?????,????????????????????,????,?????,?????????????”???????????????

???????????????????????????

5?17?????,?????????,???????????????,6?????????,????????3.45%,???????????????66???????,???????????????17???????????????????,?????????

??,????????????????????????????(????????????????????LPR-45?????????),????????,????,?????????????3%,????????,????,?????

?,??????????LPR,??????,??,??????????????????????????LPR???,????????

?????????,????????????,5??LPR???????????????????35??,??,??????LPR????????????,??????????????????????,??????????100???????30????????????????,?????200????????,??????7???

LPR?????????????

????????????????????????,???????,??????????,?4?????«?????????»,????????????4??????????????????

??,??????????????????????,????????????????????????,?????,???“????????”??

“???,????????,LPR?????????????????”?,LPR??????,???,?????

????,????,?,????????????????????????????,??????????????,???????????????,??

???????,????????????????????????,???6???????,???????????????4????,??

“??????,????????????????LPR????,???????“????????????????,??,????,?????????????,???? ?????????:?????