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

????:??????????:????????

?????!???????,??

??? ??????:?

???6???????26?????????????,?????????????????????????????????????????????,??????,?????????????????,???????“????”???????????????

????????????????,“517”??,??????????????

??????????????????,??????,???30%???????????????????20%,???????????????35%??????30%?

????????????,?LPR+10BP?LPR-45BP????????6??????????????????20???5????LPR?????????????(3.95%),????3.5%?

????,???????????LPR-5BP,?????????LPR-25BP,???3.9%?3.7%?

??????????,?????,?????,????????????????,??????????????45~55?,?????65~80????????????????????????????,???????10????????????,?????????????10~15????????,?????

??5???????????????27??????,????????,“?????”????????????????,????30%?????????20%,????????????????50%??35%,????40%??????????30%;?????????LPR-10BP(3.85%)???????????????LPR-45BP(3.5%),?????LPR+30BP??LPR-5BP(3.9%),???????LPR+20BP?????????????LPR-25BP(3.7%)?

?????????,?????????????,????????,???????4??????30?????????????????????,??????????????

?????????????,??????????,???????????????,?,????????????,?????“517???????”??,?????????

??,??,????“?????”“???????????2000???????????????????”????????,??????,??,????????300??,????????500??????????????,????

?,???4???????????,?“??”????????????,????????????,????4??23????????????????,???????,??????????,??,???????????

??????????,?12?????????,????????????????????,??????????????????????????????????????????????

?,????“517??????????????”,????,??????????,??,??

????????,??300????????30????,????4.05%????????3.5%,????33.76???????????????????????;??938????500????????????25????,?????????????4.55%???3.9%,??54.5??????,??1800??????????????????????

????,?????????????,“517?????????????”??????????,????????????????????????????????,?????????????,???????,????????????,?????,?,???????

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