论文部分内容阅读
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。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。
With the approval of the State Council, the People’s Bank of China has decided to fully liberalize the lending rates of financial institutions as of July 20, 2013. First, cancel the lower limit of 0.7 times the lending rate of financial institutions, financial institutions to determine the level of lending rates autonomously according to commercial principles. Second, cancel the discounted bills interest rate control, change the discount rate on the basis of the rediscount rate plus a certain way, determined by the financial institutions. Third, the rural credit cooperatives loan interest rates no longer set a ceiling. Fourth, in order to continue to strictly implement differentiated housing credit policies and promote the healthy development of the real estate market, the floating range of individual housing loan interest rates will not be adjusted temporarily.