最新LPR公布！

Core Viewpoint - The People's Bank of China announced that the Loan Prime Rate (LPR) for one year is set at 3.0% and for five years and above at 3.5%, remaining unchanged for six consecutive months since June 2025 [1][4]. Group 1: LPR Announcement - The LPR is calculated based on quotes from 20 banks, reflecting the market interest rates for loans [4]. - The LPR is published on the 20th of each month, with adjustments made for holidays, and is determined by removing the highest and lowest quotes and averaging the remaining ones [4]. Group 2: Monetary Policy Direction - The central bank aims to enhance the interest rate adjustment framework, strengthen policy interest rate guidance, and improve the market-based interest rate formation mechanism [4]. - The focus is on reducing banks' funding costs and promoting a decrease in the overall financing costs for society [4][5]. Group 3: Continuous Improvement of LPR - There is an ongoing effort to reform and improve the LPR to better reflect the actual loan market interest rates [5]. - Financial institutions are encouraged to adhere to risk pricing principles and align loan rates with market rates such as bond yields [5].