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

????:?????????:??12?????????

????????????,???????????????????????????????????????????????????????????????????????,10???????????25????????????????????,??????,???????????????????,?(LPR)-30BP?????????,???????????????????,?????????,?????????????????

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??????????,?,?,?????,????????????????????????????????,?????????9??????????24?????,????????????????,?????????????????????????,???????????????????????,??????????,????????,????????LPR-30BP,?????,??

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

??????,??????????????,??????????????????,??????????????????,?????,??????,????????????,?????(«??????????????????????????????2024??11??????»)??????????????????????,?,????????????????,????????????????,??,?????????????????,??????????????????10????????????????12??????,???????????????????????????,???????????????,?????????????????????,??

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????,???,??:???,??????????????????????????????????;?????????LPR?????????????-30BP??(?????????);???????,?????

????????,??????,?,??????,?????-30BP,?????LPR???????-30BP????,????????LPR??-30BP;LPR???-30BP?????????????????????????,?????

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

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?,???2024????????????????????????10???????????31????(????????????????)???????????????

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

???????,???????????,???????????????????????,??????LPR???????????????????????,??“?”??????????????????,??????????????????,??????2024??????,????????,????2024?????????????????10??????23???????(??????)????,???????????????????“??????????????????”?????????,??????????????,????????????,????????????

?????,?????,??????“????????”???????????????????????????,???????2024?????????10?????12????????????(????????????)?,????????????????,???,??????

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

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?,????????????????????LPR???LPR-30BP,??LPR-30BP??,2024???????????????????????????9??20???:1??????LPR????????????????????3.35%,5??LPR??3.85%????5??????????????????????,??????????LPR????3.85%,?3.55%?

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??????????,??????????????????????????????30?????????????????,??????????????5????LPR????3.85%,?LPR+20BP??????????4.05%,??????????????LPR-30BP?3.55%,??????????50BP???100??????????????30????????,?????4803??????????????????,??????????4518????????????,???????????285????????????????????????

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

???????????????????????,?????????????????????LPR???????????????,????????????????,????(??????1????1????,???????),????????????????,??????????5??LPR????????????????(??????????)????4.2%?3.95%?3.85%???,????????,????????????????????,????????????????????????

?????????????????????2024?????????????,??????????????,??????????37.79???????,?????????????2.1%??22.3?,???????????????59%???,????,??1500?????????????????,????????,?????(???????????????? ???????????????????????????????????? ???????????????????) ??????????:???????????????????????