本报北京2月24日电(记者徐佩玉)中国人民银行授权全国银行间同业拆借中心24日公布2026年2月24日贷 款市场报价利率(LPR)：1年期LPR为3.0%，5年期以上LPR为3.5%。以上LPR在下一次发布LPR之前有 效。两个期限LPR均与上月持平。 记者了解到，这是自2025年6月以来，两个期限品种的LPR连续9个月保持不变。据分析，这主要受到定 价基础未变及现有利率水平处于低位等因素影响。同时，2026年1月，央行推出了一揽子结构性货币政 策，强化对科技创新、小微企业等国民经济重点领域和薄弱环节的支持力度。这些都为当前货币政策保 持定力提供了支撑。 专家分析，2月份以来政策利率(央行7天期逆回购利率)保持稳定，意味着2月份LPR报价的定价基础没有 发生变化，已在很大程度上预示当月LPR报价会保持不动。另外，尽管受央行在春节前较大规模投放流 动性等影响，近期包括1年期商业银行(AAA级)同业存单到期收益率在内的主要中长端市场利率略有下 行，但最新数据显示，2025年四季度末商业银行净息差持续处于历史最低位，当前报价行缺乏主动下调 LPR报价加点的动力。 ...

Core Viewpoint - The article emphasizes the need to establish a scientific and robust monetary policy system and a comprehensive macro-prudential management system in China [1] Group 1: Monetary Policy - The central bank aims to enhance the role of policy interest rates and narrow the width of the short-term interest rate corridor [1] - There is a focus on improving the transmission mechanism from central bank policy rates to market benchmark rates and various financial market rates [1] - The article advocates for the refinement of loan interest rate pricing benchmarks to better reflect the actual level of loan market interest rates [1]

Core Viewpoint - The Hong Kong Monetary Authority (HKMA) plans to introduce interest rate contracts referencing the Loan Prime Rate (LPR) within the next few months [1] Group 1 - The HKMA will soon expand offshore RMB repurchase agreements to support re-pledging and cross-currency repos [1] - The HKMA's CMUOmniClear will improve operational arrangements in line with the new measures [1] - These initiatives are expected to be implemented by the end of August [1]