金融市场罕见双降！存贷款利率同日下调，银行负债端松绑，企业居民迎减负

Group 1 - The recent simultaneous reduction in both loan and deposit rates in China's financial market is a significant policy move aimed at alleviating the financial burden on enterprises and residents while providing banks with more flexibility on their liabilities [1][3] - The one-year and five-year Loan Prime Rates (LPR) have been lowered to 3% and 3.5%, respectively, marking the first reduction of the year after a seven-month period of stability [1] - The reduction in LPR is expected to lower financing costs for businesses, thereby stimulating effective financing demand and supporting the development of the real economy [1][2] Group 2 - The decrease in the five-year LPR will have a notable impact on mortgage loans, with a monthly payment reduction of approximately 56 yuan for a 1 million yuan loan over 30 years, leading to a total interest savings of around 20,000 yuan [1] - Consumer loan costs are also expected to decline, which will further stimulate residents' consumption potential, aligning with the central bank's goal to enhance financial services that support consumption [2] - The reduction in deposit rates, including a 5 basis point cut in demand deposits and a 15 to 25 basis point cut in time deposits, is intended to help banks maintain a reasonable net interest margin amid ongoing pressure from narrowing interest spreads [3]