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

2?????????

3????????

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

5????????

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??????????????????????? ?????(????)

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10???25?,??????????????,??????????????,????????????????????????,??????,???????????,???????????????????

“???????????,??”10?25?????????????,???????????????????,????????????,??????????

?????,?????????????????????????????????????????????????????????,?????????????9????????29????(????????????????????????“??????????????????????????????????”)??????????????????????????,??????????????????????????

??1500?????????,??????????????

10???????????26?????????????,????????,??????????,??4.45%????????3.8%,????????3000????????????????,????????,?????

??,?(LPR)?????,10??25??

???????????????????,???????????2024???????10????31???????????????????????,??????-30??,??????????-30?????????????????????,???????????????????

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

??,10????25???????,???????????,?????????“?????”?????????????,????????10???25?????????,??,???????

????,???????0.5??????????,?1500????????????????????,???????????5000?????1.5?????

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

??????2021??8?,???????????LPR+60?????????????????LPR????????????????????????,??,???????????????1.3??,??????,???????

10?????????25????????????,???????????LPR-30?????????,?90??,??????????1200????,?1.5???????????????????“?,‘?11’????????????”????????????????

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????????,2021???????,??????????????????80?????????????????????????????2?????

????,????????????????,???????????10???????????????10??????????????????12?????,??,????????,?????????????????????,?4.65%???????????????3.55%,?1800??????????,????????2?????

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

???,??,????????????,??????????????????????????1??1?????????????????????????,??????,?LPR??

10???21??????????????????????,??????????5???????????LPR?????????????????????????3.6%,?25??????????????10???????????21?10?????????????????25????????????,????????10?25?????????????????????????????????LPR?3.6%,???????????3.3%???????????LPR??????????????????????????,?????,????????

?????????,???????????????2024?????11??1??????,??,??????,????????LPR??,??????????

??,????????????????????,??????????????????????10?31???

????,??

“???????????,????????????,?????????????????????”10???????????????26???????????????????????????????,????,?“??????????”??

?:“??LPR+70???????,?1????1???????,????????????????4.9%????????????????3.9%,?600???????????????????1??1?????????????????????LPR????,?LPR???????????,???????3.3%,?????????????????1000?????”

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

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??????????????????????,10??????????????????????????9?20%??????,??????????,????????????????????????????,??????????,?????????,?????????

?????????,????,??????????1500???????,???????,?,????????,?????????0.5?????????????,???0.2????????????,?,??????????????,????????

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