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近日,央行宣布降低存款利率0.25个百分点,同时将贷款利率的下限扩至0.8倍,存款利率的上线扩至1.1倍。据记者了解,现行的存贷款利率浮动区间设定于2004年10月:贷款利率上不封顶,可下浮的幅度为基准利率的0.9倍;存款利率则只能下浮,下不设底。央行此次扩大利率浮动区间,像一块石子投入了中国银行业这个池子里,引起层层涟漪。
Recently, the central bank announced that it will reduce the deposit interest rate by 0.25 percentage point while expanding the lower limit of the loan interest rate to 0.8 times and the deposit interest rate on the line to 1.1 times. According to the reporter, the current floating range of deposit and lending rates set in October 2004: the lending rate is not capped, the rate of decline can be 0.9 times the benchmark interest rate; deposit interest rates can only go down, do not set the end. The central bank to expand interest rates floating range, like a stone into the pool of Chinese banking, causing layers of ripples.