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

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

3????????

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

5?k???????

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

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

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

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

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

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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??????????

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

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

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