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5月8日起降息,15日起降准;公积金贷款利率5月8日起下调丨金融早参
Mei Ri Jing Ji Xin Wen· 2025-05-07 23:53
Group 1 - The People's Bank of China announced a reduction in the 7-day reverse repurchase rate by 0.1 percentage points from 1.5% to 1.4% starting May 8, and a 0.5 percentage point cut in the reserve requirement ratio for financial institutions starting May 15 [1] - The reduction in interest rates is expected to lead to a decrease in loan market quotation rates (LPR) and deposit rates, which will help maintain the stability of commercial banks' net interest margins and effectively lower the comprehensive financing costs for the real economy [1] - The adjustment in housing provident fund loan rates will reduce the total interest payment on a 1 million yuan mortgage by approximately 47,600 yuan, which is anticipated to stabilize the real estate market [3] Group 2 - The National Development and Reform Commission, Ministry of Public Security, and National Data Bureau announced a policy to replace the proof of no violations with a special credit report, enhancing the transparency of corporate credit information and optimizing the business environment [2] - The introduction of a "Technology Board" in the bond market aims to support financing for technology enterprises and private equity institutions, with relevant policies and preparations nearly complete [4] - The Financial Regulatory Bureau plans to encourage insurance companies to increase their market participation by reducing the risk factor for stock investments by 10% and expanding the pilot scope for long-term investments [5][6]