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7月19日,经国务院批准,中国人民银行决定,自2013年7月20日起全面放开金融机构贷款利率管制。内容包括:一、取消金融机构贷款利率0.7倍的下限,由金融机构根据商业原则自主确定贷款利率水平;二、取消票据贴现利率管制,改变贴现利率在再贴现利率基础上加点确定的方式,由金融机构自主确定;三、对农村信用社贷款利率不再设立上限;四、为继续严格执行差别化的住房信贷政策,促进房地产市场健康发展,个人住房贷款利率浮动区间暂不作调整。
July 19, approved by the State Council, the People’s Bank of China decided that since July 20, 2013, the interest rate controls on lending of financial institutions will be fully liberalized. The contents include: 1. Canceling the lower limit of 0.7 times the lending rate of financial institutions, and the financial institutions independently determining the lending rates according to commercial principles; 2. Canceling the discount rate control of bills and changing the discount rate Based on the rediscount rate, Financial institutions to determine their own; Third, the rural credit cooperatives loan interest rates no longer set an upper limit; Fourth, in order to continue to strictly implement differentiated housing credit policies to promote the healthy development of the real estate market, individual housing loan interest rates floating range temporarily adjusted.