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霜降前一日,央行宣布“双降”:自10月24日起,下调金融机构人民币贷款和存款基准利率0.25个百分点;同日起下调金融机构人民币存款准备金率0.5个百分点。伴随本次“双降”更重要的举措,则是放开存款利率上限,对商业银行和农村合作金融机构等不再设置存款利率浮动上限。我国利率市场化“靴子”终于落地。降息降准与放开存款利率上限的政策组合的推出,引起市场的高度关注。
On the day before the cremation, the central bank announced that it will cut its benchmark lending rate of RMB loans and deposits by 0.25 percentage point from October 24 onwards and cut its deposit reserve ratio by 0.5 percentage point from the same date. The more important move with this “double dip” is that we will release the cap on deposit interest rates and no longer set a floating ceiling on deposit interest rates for commercial banks and rural cooperative financial institutions. China’s market-oriented interest rates “boots ” finally landed. The introduction of a policy combination of interest rate cut and liberalization of deposit interest rates has aroused great concern in the market.