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Group 1 - The core viewpoint of the article emphasizes the stability of the Loan Prime Rate (LPR) in China, which has remained unchanged for five consecutive months since June, with the 1-year LPR at 3.0% and the 5-year LPR at 3.5% [3][5]. - The LPR is determined by quoting banks based on the open market operation interest rate plus a margin, providing a reference for bank loan pricing [5]. - Currently, there are 20 banks participating in the LPR quoting process, which includes both the 1-year and 5-year LPR products [5].