LPR???,“????????”???????

????:???????150???:???????

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

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