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

2????????

3??????

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

5????????

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

???????????????????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????;???,???????????????????,???????????????,??????????? ??:???