????:1????????????:???150???????

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

3?????????

4??????????

5????????

???????????????

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

?????????

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’????????”???

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

?,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??”

“????,??????,??,?????”??

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

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

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

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