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7月LPR报价出炉!一年期、五年期LPR均维持不变
Sou Hu Cai Jing·2025-07-21 01:40

Core Points - The Loan Prime Rate (LPR) for both 1-year and 5-year terms remains unchanged at 3.0% and 3.5% respectively as of July 21, 2025 [1][3] - The People's Bank of China (PBOC) emphasizes the need for a moderately accommodative monetary policy to support economic growth and stabilize the real estate market [4] - Analysts suggest that there is still potential for LPR adjustments downward in the second half of the year, depending on external uncertainties and domestic demand stimulation [4][5] Monetary Policy Insights - The PBOC's monetary policy committee reiterated the importance of implementing a moderately accommodative monetary policy and enhancing counter-cyclical adjustments [4] - There is a recommendation to increase the intensity of monetary policy regulation and improve its foresight, targeting, and effectiveness based on economic and financial market conditions [4] - Analysts indicate that the downward adjustment of LPR may be influenced by the potential reduction of policy and deposit rates, which could lower banks' funding costs [5]