本报记者刘琪韩昱 为推动一揽子货币金融政策落地见效，支持经济持续回升向好，5月19日，中国人民银行（以下简称"央 行"）行长潘功胜主持召开金融支持实体经济座谈会（以下简称"会议"）。会议强调，"要实施好适度宽 松的货币政策，满足实体经济有效融资需求，保持金融总量合理增长"。 今年以来，央行综合运用存款准备金、公开市场操作、中期借贷便利、再贷款再贴现等工具，保持流动 性充裕。引导金融机构充分满足实体经济有效信贷需求，提高资金使用效率，提升服务实体经济质效。 从央行近期公布的金融数据来看，今年前4个月社会融资规模、广义货币M2、人民币贷款增速持续高于 名义GDP增速，金融对实体经济支持的力度仍然较大。金融总量"上行"的同时融资成本则在"下行"，4 月份企业新发放贷款加权平均利率和个人住房新发放贷款的加权平均利率分别为3.2%和3.1%，比上年 同期分别低50个基点和55个基点。 宋向清认为，未来货币政策在满足实体经济有效融资需求方面还可进一步发力，除了在总量上保持流动 性充裕外，还应继续发挥结构性货币政策工具作用，比如进一步优化和创新结构性货币政策工具，加大 对重点领域的支持力度，引导金融机构精准投放信贷资源，提 ...

【导读】9家股份制银行下调存款利率，3年期、5年期是调整重点 中国基金报记者 马嘉昕 继国有大行之后，9家股份制银行也火速跟进下调存款利率。 5月21日，平安银行、中信银行、兴业银行、浦发银行、民生银行、广发银行、华夏银行等7家银行跟进下调存款利率；5月20日，招商银行、光大银行已 率先进行了调整。 整体来看，在本轮存款利率调整中，中长期存款利率仍是各家银行重点调整的对象，3年期、5年期定期存款利率均下调了25BP，有银行甚至暂停推出5年 期定期存款。 "各家银行的反应速度都很快。"在多位业内人士看来，当前，股份制银行下调存款利率的速度符合市场预期，"在当前形势下，商业银行对存款利率下调 需要应快、尽快。" 多家银行网点工作人员告诉记者，投资者对本轮存款利率下调早有预期。 "不少投资者已意识到并接受存款利率长期下行的预期。这两天，银行陆续宣布下调存款利率，但从银行网点的情况来看，并未出现对个别存款或理财产 品迫切申购、抢购或锁定利率的情况。"一位国有大型银行网点工作人员对记者表示。 股份行密集下调存款利率 记者注意到，截至目前，除了渤海银行、浙商银行和恒丰银行之外，12家股份制银行中已有9家宣布对存款利率进行 ...

5、财政部数据显示,4月份,中央一般公共预算收入同比增长1.6%,全国税收收入同比增长1.9%,均为今年以来首次实现月度正增长。 6、国家能源局数据显示,4月份,全社会用电量7721亿千瓦时,同比增长4.7%。1-4月,全社会用电量累计31566亿千瓦时,同比增长 3.1%,其中规模以上工业发电量为29840亿千瓦时。 7、5月20日,全国主港铁矿石成交101.50万吨,环比增23.1%;237家主流贸易商建筑钢材成交10.11万吨,环比增3.1%。 宏源期货煤焦日报 | | | | | | | | | | | | 2025/5/21 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 焦炭盘面 | | | | | 焦煤盘面 | | | | 基美 | | | | 昨日 | | ■日 | 涨跌 | | 昨日 | 丽日 涨跌 | | | 昨日 | ■日 | 涨跌 | | 12601 | 1437.5 | 1454.5 | -17.0 | JM2601 | 0.758 | 855.5 | -4.5 | J01基美 ...

就在5月7日，人民银行就稳市场、稳预期公布一揽子金融支持政策，其中就包括降低存款准备金率0.5 个百分点、公开市场7天期逆回购操作利率由此前的1.50%调整为1.40%。而降息预计将带动LPR同步下 行约0.1个百分点。 作为贷款利率定价的主要参考基准，LPR下调也意味着企业、居民的贷款成本进一步降低了。叠加经济 复苏、提振消费的大浪潮，做点小生意的个体工商户当前经营状况如何，低息贷款能够解决问题吗，怎 样的贷款产品更受他们欢迎？带着这样的问题，北京商报记者进行了线下调研走访。 资金流仍是经营关键 一直以来，金融服务实体经济都被看作是金融行业的"天职"，消费则是实体经济的"终端"。金融支持消 费政策让居民更有能力和意愿消费，最终直接带动商品零售、餐饮旅游、文化娱乐等实体经济领域的经 营业绩增长，为企业创造更多收入与利润，形成消费与实体经济相互促进的良性循环。 一如市场预期，5月贷款市场报价利率（LPR）下调了。5月20日，人民银行披露新一期LPR，1年期和5 年期以上LPR双双下降10个基点，其中1年期LPR降至3%，5年期以上LPR降至3.5%。 贷款产品要低息好借 小微企业是实体经济的"毛细血管"，也是吸 ...

Group 1 - The one-year and five-year loan market quotation rates (LPR) have both decreased by 10 basis points, now standing at 3.0% and 3.5% respectively [1] - The reduction in LPR is expected to enhance financial support for the real economy, while the optimization of deposit rates by major banks creates favorable conditions for lowering overall financing costs [1] - The decline in LPR will continue to drive down the comprehensive financing costs in society, stabilize market expectations, stimulate credit demand, and promote corporate investment [1] Group 2 - The decrease in the five-year LPR is beneficial for reducing the interest burden on mortgage borrowers, which in turn promotes consumer spending [1]

Group 1 - The People's Bank of China announced a reduction in the 1-year LPR to 3% and the 5-year LPR to 3.5%, both down by 10 basis points, marking the first decline this year, signaling a clear intention to stabilize the market and expectations [1] - The adjustment of LPR is expected to lower loan interest rates, which will directly impact borrowing costs for consumers and businesses [1] - Prior to this adjustment, the mortgage rates for first-time homebuyers in Beijing were 3.15%, while second-home buyers faced rates of 3.55% within the Fifth Ring Road and 3.35% outside it [1] Group 2 - A rough estimate indicates that a 10 basis point decrease in the 5-year LPR could reduce monthly interest payments by over 50 yuan for a 1 million yuan loan over 30 years, saving borrowers over 20,000 yuan in total interest [2] - The decline in deposit rates is beneficial for maintaining the stability of commercial banks' net interest margins, enhancing the sustainability of financial support for the real economy [2] - The simultaneous decline of LPR and deposit rates is expected to further lower financing costs for enterprises and residents, stimulating demand for financing, promoting consumption, and expanding investment, thereby contributing to economic recovery [2]

Group 1 - The People's Bank of China emphasizes the need for a moderately loose monetary policy to support effective financing for the real economy, focusing on key areas such as technological innovation, consumption, and foreign trade [2] - The National Development and Reform Commission highlights the need to address "involution" in competition, as traditional industries undergo transformation and structural issues arise [3] - The implementation of the "Private Economy Promotion Law" marks a significant milestone in the development of the private economy in China, establishing mechanisms for fair competition and investment promotion [8] Group 2 - The recent reduction in the Loan Prime Rate (LPR) by 10 basis points for both 1-year and 5-year terms is the first adjustment since October of the previous year, indicating a shift in monetary policy [7] - The Ministry of Finance reports a 57.8% year-on-year increase in securities transaction stamp duty revenue for the first four months of the year, reflecting a robust trading environment [9] - The unemployment rate for urban youth aged 16-24 stands at 15.8%, indicating ongoing challenges in the job market for younger demographics [11] Group 3 - Hisense Group appoints a former executive from Midea as the president of its air conditioning division, aiming to regain market share in the domestic air conditioning market where Xiaomi has gained significant ground [22] - The French Senate's investigation into Nestlé's "Perrier" water scandal reveals consumer fraud and regulatory failures, impacting the company's reputation and operations [23] - Institutional investors show significant activity in the stock market, with notable net purchases in companies like Zhongzhou Special Materials and net sales in others like Hongbaoli and Youfu [24]

重要的消息有哪些 潘功胜主持召开金融支持实体经济座谈会 5月19日，中国人民银行行长潘功胜主持召开金融支持实体经济座谈会并讲话。金融监管总局副局长周亮出席会议并讲话。中国人民银行副行长宣昌能、邹 澜出席会议。 会议强调，要实施好适度宽松的货币政策，满足实体经济有效融资需求，保持金融总量合理增长。加力支持科技创新、提振消费、民营小微、稳定外贸等重 点领域，用好用足存量和增量政策，提高金融支持实体经济质效，支持经济结构调整、转型升级和新旧动能转换。强化货币政策执行和传导，维护市场竞争 公平秩序，推动金融服务实体经济和银行自身可持续发展的有机统一。有序推进人民币国际使用，提高贸易和投融资便利化水平。统筹发展和安全，坚决维 护国家金融安全。 前4个月公共财政收入累计降幅继续收窄 中央收入月度增幅由负转正 财政部公布2025年1—4月财政收支情况，印花税1614亿元，同比增长18.9%。其中，证券交易印花税535亿元，同比增长57.8%。 国家能源局：4月份全社会用电量7721亿千瓦时，同比增长4.7% 国家能源局5月20日发布4月份全社会用电量等数据。4月份，全社会用电量7721亿千瓦时，同比增长4.7%。1—4月， ...

王青：预计下半年央行还会继续实施降息 金十数据5月21日讯，展望后期，东方金诚首席宏观分析师王青表示，当前外部环境仍面临很大不确定 性，国内稳增长政策还不能松劲。预计下半年央行还会继续实施降息，这意味着年内两个期限品种的 LPR还有下行空间。在王青看来，下调政策利率并引导LPR下行，将带动企业和居民贷款利率更大幅度 下调，降低实体经济融资成本，这是现阶段扩投资、促消费的一个重要发力点，也有助于缓解计入物价 因素后，当前企业和居民实际贷款利率偏高现象，激发企业和居民内生融资需求。 （证券日报） ...

Group 1 - The core viewpoint of the articles is that the recent reduction in the Loan Prime Rate (LPR) and deposit rates will lower financing costs for businesses and residents, thereby boosting market confidence and supporting stable growth in the real economy [1][2][5] - The LPR has decreased for the first time in seven months, signaling a positive move towards reducing corporate financing costs and easing the burden on residents [3][5] - The simultaneous decline in LPR and deposit rates reflects the effective functioning of the market-based adjustment mechanism, enhancing banks' ability to price loans competitively [4][5] Group 2 - The reduction in LPR is expected to stimulate effective financing demand from both enterprises and residents, which is crucial for expanding investment and consumption [2][3] - Lower deposit rates will help banks maintain a reasonable net interest margin, which is essential for sustaining their ability to support the real economy [4][5] - Investors are encouraged to optimize their asset allocation in response to declining deposit rates, with a focus on diversifying investments across various asset classes [6][7]