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为进一步推进利率市场化改革,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。现就有关事宜通知如下:一、全面放开金融机构贷款利率管制。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。个人住房贷款利率浮动区间不作调整,仍保持原区间不变,继续严格执行差别化的住房信贷政策。
To further promote market-based interest rate reform, with the approval of the State Council, the PBC has decided to fully liberalize the interest rate controls on lending of financial institutions as of July 20, 2013. We hereby notify you of the relevant issues as follows: I. We will fully liberalize the lending rates of financial institutions. The lower limit of 0.7 times the lending rate of financial institutions should be abolished, and the financial institutions should independently determine the lending rates according to commercial principles. Individual housing loan interest rates floating range is not adjusted, remain unchanged from the original range, continue to strictly implement differentiated housing credit policy.