????:1???????????:????????????

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

3???????????

4??????????????

5?????95?

????/???

10???????????21?,LPR(?????)?,???????????????

??????????????,?,2024????????????????10???????????LPR????:1????????????LPR????3.1%,5??LPR?3.6%??????????????????25???????????

????

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

9???????????????????27???????????,?,?7??1.7%????????1.5%,?0.3??

??????????????,10????????????????18??,10?????21?LPR????,????,??,??

?????1?????????

??????1?????????5????LPR?????????????????????25???????,????????????,??,?,???????,????,???????????

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

????????,5???????????????LPR?????60???,???????????????????????????,????,????LPR?0.6???,?????????????10??????????25??0.5???,?1??????

???

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

?????????,?,???????1?1?????,??4.75%(2024????????????1???????????????????1????????????LPR+55????),??????????:

??????????,10???????25??????????,???LPR???“????????30????????????????”,????3.9%(LPR-30???????),???0.85??????????(4.75%-3.9%)?

??,2025????????1?1?,????LPR???,????????12????5????LPR???3.6%,???3.3%(LPR-30?),???0.6????????????????(3.9%-3.3%)?

?,2024?????1.45????????????,?100??,25??????????,?24?,???????800???? ??:???????