我国8月22日下调基准贷款利率
文章来源:未知 文章作者:enread 发布时间:2022-08-23 08:23 字体: [ ]  进入论坛
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日前我国一年期和五年期以上贷款市场报价利率(LPR)双双下调,专家指出,LPR下调一方面将有助于降低企业融资成本、提振市场主体信心,另一方面也有助于稳定房地产业、降低居民房贷负担,促进消费。
 
The reduction in China's benchmark lending rates on Monday will boost the nation's economic recovery by spurring corporate1 and household spending and stabilizing2 the real estate sector3, experts said.
专家称,我国8月22日下调基准贷款利率,将有利于刺激企业和家庭支出、稳定房地产业,从而促进我国经济复苏。
 
China's over-five-year loan prime rate (LPR) dropped to 4.3 percent in August from 4.45 percent in July and marking the lowest level since the rate debuted4 in August 2019, the National Interbank Funding Center said on Monday.
全国银行间同业拆借中心8月22日公布,我国五年期以上贷款市场报价利率(LPR)8月下调至4.30%,上月为4.45%,这是自2019年8月推出LPR新报价方式以来的最低水平。
 
The one-year LPR also decreased on Monday, to 3.65 percent from 3.7 percent a month earlier, the center said.
一年期LPR也在同日下调至3.65%,上月为3.70%。
 
"The reductions will play a positive role in reducing financing costs for the real economy, improving the confidence of market players and promoting the recovery of credit demand," said Wen Bin5, chief economist6 at China Minsheng Bank.
中国民生银行首席经济学家温彬解读称:“此举将对降低实体经济融资成本、提振市场主体信心、促进信贷有效需求回升发挥积极作用。”
 
The marked reduction in the over-five-year LPR will help the real estate sector stabilize7 by unleashing8 housing demand and boost consumer spending by reducing household debt burdens, he said.
他指出,此次大幅下调五年期以上LPR将有助于释放购房需求,稳定房地产行业,也有助于降低家庭债务负担,促进居民消费。
 
Meanwhile, the lowered one-year LPR will further bring down companies' financing costs and drive up the country's growth in fixed-asset investment, Wen said.
温彬还表示,一年期LPR下调有助于进一步降低企业融资成本,拉动固定资产投资增长。
 
An executive meeting of the State Council, China's Cabinet, on Thursday called for efforts to lower the financing burdens on businesses and consumption credit costs for individuals in order to ramp9 up financial support for the real economy.
8月18日召开的国务院常务会议部署推动降低企业融资成本和个人消费信贷成本的措施,加大金融支持实体经济力度。
 
As a result of Monday's move, the total decline in the over-five-year LPR so far this year has reached 35 basis points, following reductions in May and January.
8月22日利率下调后,今年以来五年期以上LPR已累计下调35个基点(前两次降息分别在1月和5月)。
 
Wu Chaoming, deputy director of the Chasing International Economic Institute, said more reductions in the over-five-year LPR are possible if the real estate sector recovers at a sluggish10 pace.
财新国际经济研究院副院长吴朝明表示,如果房地产业复苏缓慢,五年期以上LPR还有可能进一步下调。
 
Yan Yuejin, director of the E-house China Research and Development Institution, said Monday's cut could save about 90 yuan ($13.16) in monthly payments for a homebuyer who takes out a 30-year mortgage with a principal of 1 million yuan, with those with existing mortgages seeing reductions in their payments starting next year.
易居研究院智库中心研究总监严跃进指出,从明年开始按揭买房者就可以享受降息利好,以商贷额度100万元、贷款30年计算,此次LPR下调将让月供减少约90元。


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1 corporate 7olzl     
adj.共同的,全体的;公司的,企业的
参考例句:
  • This is our corporate responsibility.这是我们共同的责任。
  • His corporate's life will be as short as a rabbit's tail.他的公司的寿命是兔子尾巴长不了。
2 stabilizing 37789793f41246ac9b11622dadb461ab     
n.稳定化处理[退火]v.(使)稳定, (使)稳固( stabilize的现在分词 )
参考例句:
  • The disulfide bridges might then be viewed primarily as stabilizing components. 二硫桥可以被看作是初级的稳定因素。 来自辞典例句
  • These stabilizing design changes are usually not desirable for steady-state operation. 这些增加稳定性的设计改变通常不太符合稳态工作的要求。 来自辞典例句
3 sector yjczYn     
n.部门,部分;防御地段,防区;扇形
参考例句:
  • The export sector will aid the economic recovery. 出口产业将促进经济复苏。
  • The enemy have attacked the British sector.敌人已进攻英国防区。
4 debuted b3e2d85131439fe8678f6628fda0ec90     
初次表演,初次登台(debut的过去式与过去分词形式)
参考例句:
  • In late 2003 a full-size SUV, the Pathfinder Armada, debuted. 2003年末,全尺寸SUV的探路者无敌舰队,推出。
  • The album debuted at number two and quickly went platinum. 专辑一亮相就荣登排行榜第二名,很快就取得了白金销量。
5 bin yR2yz     
n.箱柜;vt.放入箱内;[计算机] DOS文件名:二进制目标文件
参考例句:
  • He emptied several bags of rice into a bin.他把几袋米倒进大箱里。
  • He threw the empty bottles in the bin.他把空瓶子扔进垃圾箱。
6 economist AuhzVs     
n.经济学家,经济专家,节俭的人
参考例句:
  • He cast a professional economist's eyes on the problem.他以经济学行家的眼光审视这个问题。
  • He's an economist who thinks he knows all the answers.他是个经济学家,自以为什么都懂。
7 stabilize PvuwZ     
vt.(使)稳定,使稳固,使稳定平衡;vi.稳定
参考例句:
  • They are eager to stabilize currencies.他们急于稳定货币。
  • His blood pressure tended to stabilize.他的血压趋向稳定。
8 unleashing 8742c1b567c83ec8d9e14c8aeacbc729     
v.把(感情、力量等)释放出来,发泄( unleash的现在分词 )
参考例句:
  • Company logos: making people's life better by unleashing Cummins power. 公司理念:以康明斯动力建设更美好的生活! 来自互联网
  • Sooner or later the dam will burst, unleashing catastrophic destruction. 否则堤坝将崩溃,酿成灾难。 来自互联网
9 ramp QTgxf     
n.暴怒,斜坡,坡道;vi.作恐吓姿势,暴怒,加速;vt.加速
参考例句:
  • That driver drove the car up the ramp.那司机将车开上了斜坡。
  • The factory don't have that capacity to ramp up.这家工厂没有能力加速生产。
10 sluggish VEgzS     
adj.懒惰的,迟钝的,无精打采的
参考例句:
  • This humid heat makes you feel rather sluggish.这种湿热的天气使人感到懒洋洋的。
  • Circulation is much more sluggish in the feet than in the hands.脚部的循环比手部的循环缓慢得多。
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