央行官宣！年内首次结构性“降息”，今日落地！

Group 1 - The core viewpoint of the article is the announcement by the People's Bank of China regarding a structural interest rate cut, effective from January 19, 2026, which aims to lower borrowing costs for banks and stimulate credit growth in key sectors to support economic transformation [1] Group 2 - The specific interest rate reductions include a 0.25 percentage point decrease in the re-lending and re-discount rates, with the new rates set at 0.95% for 3-month, 1.15% for 6-month, and 1.25% for 1-year re-lending, while the re-discount rate is now 1.5%, the mortgage supplementary loan rate is 1.75%, and the rate for special structural monetary policy tools is 1.25% [1]