央行全面降准0.5个百分点 释放资金8000多亿元

Group 1 - The People's Bank of China announced a 0.5 percentage point reduction in the reserve requirement ratio for financial institutions, effective January 6, 2020, to support the real economy and lower financing costs [1][2] - This reduction is expected to release over 800 billion yuan in long-term funds, enhancing the stability of financial institutions' support for the real economy [1] - The move aims to maintain reasonable liquidity, aligning monetary credit and social financing growth with economic development, thereby fostering a conducive financial environment for high-quality development and supply-side structural reforms [1][2] Group 2 - Small and medium-sized banks, including city commercial banks and rural cooperative banks, are projected to receive over 120 billion yuan in long-term funds from this reduction, strengthening their ability to serve small and private enterprises [2] - The reduction is estimated to lower banks' funding costs by approximately 15 billion yuan annually, which will help reduce the actual financing costs for small and private enterprises [2] - The People's Bank of China emphasized that this measure is not a large-scale liquidity injection but a balanced approach to monetary policy, ensuring stability in the banking system's liquidity [2]