LPR???,“????????”???????

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

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

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

2024??6?20?????????????????????????,?????????????LPR???????:1??3.45%,?????????????3.45%;5???????????????????????3.95%,??????3.95%?

6?????????19??????,??????????????,?????????(LPR),??????????????????,??????LPR?????????,?????????????????

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

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

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

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

6????MLF????,??????LPR????????6?????????17??,???1820?????????1????????????MLF??,????2.50%????????????

?????????,??????,6????,???????LPR???????????

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

2024??????,??????????????1.54%,?????????????15bp,??20bp,??????????,??????????????????????????????????????????????????1.47%?1.62%?1.45%?1.72%,????????????????15bp?14bp?12bp?18bp,????

?????????????2????,5????????????????LPR?????????25bp,?????????????,????,???????????????????;??????????,“?????”???,????????

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

5??????3.71%????3.64%,???????????????25?57?????,??4????????????????33???????????,??3??????2?????5??????????

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

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

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

????????

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

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

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

???,????????GDP?????????-1.1%,??????,??,????????????????????,????????????????,????????????LPR?????????,???????

??????????????????????,????LPR????????:??????MLF?????????????????,????LPR??????;????????MLF????????????,?????????,????????LPR?,??????LPR?????

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

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

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

?,???????????????????,??LPR???????????????,LPR?MLF??????????

????,LPR??(??1???????????MLF????????)?????????????????,???????????????????????

?????????,???“????????????”,?????????????“????????(LPR)”“????????????????????LPR????????”????????????,????LPR????????MLF????????

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

??????????????????,?????????????????,?:?????????,????????????LPR???,?????????18?????20???;?????????,????????????,????,?? ??????????????:?????