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Interest rate cut after the benchmark interest rate fell from 5.15% to 4.90%

Time: 2015-10-23         Source: Rong 360         Author: Zhao Rong

The People's Bank of China has decided to reduce the benchmark lending rate and the deposit base rate of financial institutions from October 24, 2015 to further reduce the cost of social financing. Among them, the financial institutions one-year benchmark lending rate cut 0.25 percentage points to 4.35%; one-year deposit benchmark interest rate cut 0.25 percentage points to 1.5%; other grades of loans and deposit benchmark interest rates, the People's Bank of the financial institutions to adjust the interest rate ; Personal housing provident fund loan interest rates remain unchanged. At the same time, the commercial banks and rural cooperative financial institutions and so no longer set the deposit interest rate floating ceiling, and pay close attention to improve the marketization of interest rates and control mechanisms to strengthen the central bank's interest rate system regulation and supervision and guidance to improve monetary policy transmission efficiency.

Since the same day, cut the financial institutions RMB deposit reserve ratio by 0.5 percentage points, in order to maintain the liquidity of the banking system is reasonable and sufficient to guide the smooth growth of money and credit. At the same time, in order to increase financial support for the "three rural" and small micro enterprises positive incentives to meet the standards of financial institutions to reduce the deposit reserve ratio by 0.5 percentage points.

Cut interest rates laterCommercial loansList of Latest Interest Rates (from 24 October 2015)

 

Loan term Commercial loan interest rate before fixing
Within 1 year (inclusive) 4.35% 4.60%
1-5 (inclusive) years 4.75% 5.00%
More than 5 years 4.90% 5.15%

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