?? ??????????????
????:1??????????:?????????
2???????????
3??????2021
4????????????
5???????
????,???????????????????????????????????????????????????????????????,10??????25??????,?????????????????????????????,??????????????????????????,????????????????(LPR)-30BP??????,??????????????????????,???,????
?????
????????????????????,?,????????,????,????????????????????????????,?????????????????????????????9?????24??????????????,????,??????????,?????,????????????????,????????????????????,??LPR-30BP,???,????????
???????????,??????????,????????????????LPR???????????????????????????,????,????????????,??????????????????,?????????????????????????,?????????????????
??????????????,??????????,???????,?,?,???,?????????????????,??(«??????????????????????2024?????11??????????????????????????????»)????,?????????,????????????,?????????????,????????,??,????????????????????????10??????12?,?????????????????????,?,????????????????????????????,????
??????????????,????,?????????
??????????,??:????????,?????????????????:??????(??????)??????????????
?,?,?:????????????????,?????????????????;?LPR????-30BP?(???);?????????,????????
??,????????,????,??????,??????????????????-30BP,???????LPR???????????-30BP?????????,??LPR????-30BP;LPR??????-30BP??????????,??
???????,??????????????,??,??????
????
????,???????????????????????2024?????10???????????????????????????31????????(???????????????????????????)?????
????????????,??????????????????????????????,??????LPR???????????????,??????????,?????
?????????,???????????,?????????????,?????????????LPR????????????????,???????????“???”????,????????,???????????????????????2024????,????????????????????????????????,?????2024??10?23???????????????(???)?,???“?????????”????????,???????????,?,?????
???,??????????,?????????“????????????”??????????,????????????????2024?????????????10????12?(?????????????????????????)????????,???????????????????,????????,???????????????????
??????????,????“?”?????????????????????????????,???????????????????????????????,??????????,???“?????????????????”,???????????????????????????????????????????“???????????????????????”???????????????????,??????“???????”,??
????????????????????,????,??????????????????????????????????????????????,??????????????,???????????
??????,?????????,??????????????????,??,???????,?????????????
??????????????????
????????????,?????????????
????????????????,??????????LPR??????????????LPR-30BP,??????LPR-30BP??,2024?????????????9????????????????????????20???:1??????LPR??3.35%,5?????LPR??3.85%??5?????????????????????,??LPR????3.85%,???????3.55%?
???????????????????????????,??????????????,????????????????????11?????,???????????????
?,???????????????30??????????????,?????5???????????????????????????LPR??????3.85%,?????????LPR+20BP???4.05%,??LPR-30BP????????????????3.55%,????????????????????????????????????50BP??????100??????30????????????????,???????????????????????4803???????????????????,????????????????4518???????????????????,????????285??????
???????????????????????????????,?????,?????,????????????????????
?????????????????????????,??????LPR??????????,??????,??(?????????????1??????????1????,?????????????????????),???????????,??????????5???????????????LPR?????????????????(??)??4.2%?3.95%?3.85%????????????,??????????????????????????????,????????????????????????,????????
?????????????????????2024?????????????,?,???????37.79??????????,?2.1%??????22.3??,?59%???????,????????,?1500???????????????,??????????????????,???????????(? ????????????? ?????) ??????:??