金十整理："一行一局一会"发布会重点一览——降准降息"双管齐下"！一揽子金融政策重磅推出 央行推出三大类、十项措施： ①下调政策利率0.1个百分点，公开市场7天期逆回购操作利率从1.5%调降至1.4%，预计将带动贷款市场 报价利率（LPR）同步下行约0.1个百分点。 ②下调结构性货币政策工具利率0.25个百分点，包括：各类专项结构性工具利率、支农支小再贷款利 率，均从目前的1.75%降至1.5%；抵押补充贷款（PSL）利率从目前的2.25%降至2%。 ③降低个人住房公积金贷款利率0.25个百分点，五年期以上首套房利率由2.85%降至2.6%，其他期限的 利率同步调整。 3. 结构型政策——创设并加力实施结构性货币政策工具： ①增加3000亿元科技创新和技术改造再贷款额度，由目前的5000亿元增加至8000亿元。 ②设立5000亿元"服务消费与养老再贷款"，引导商业银行加大对服务消费与养老的信贷支持。 ③增加支农支小再贷款额度3000亿元，支持银行扩大对涉农、小微和民营企业的贷款投放。 1. 数量型政策——加大中长期流动性供给： ①降低存款准备金率0.5个百分点，整体存款准备金率平均水平从6.6%降低到6.2% ...

Group 1 - The People's Bank of China (PBOC) will lower the reserve requirement ratio by 0.5 percentage points, providing approximately 1 trillion yuan in medium to long-term liquidity to the market [1] - The policy interest rate will be reduced by 0.1 percentage points from 1.5% to 1.4%, which is expected to lead to a similar decrease in the Loan Prime Rate (LPR) [1] - The PBOC will lower the personal housing provident fund loan rate by 0.25 percentage points, with the interest rate for first-time homebuyers on loans over five years decreasing from 2.85% to 2.6% [1] Group 2 - The PBOC will optimize two monetary policy tools to support the capital market, merging the quotas for securities fund insurance company swaps and stock repurchase loans to a total of 800 billion yuan [1] - A new 500 billion yuan re-lending facility will be established to support consumption and elderly care, along with an additional 300 billion yuan for agricultural and small business support [1] - The China Securities Regulatory Commission (CSRC) is committed to maintaining market stability and improving response plans to external risks [1] Group 3 - The PBOC has implemented a moderately loose monetary policy this year, focusing on counter-cyclical adjustments to support high-quality economic development [2] - Despite significant shocks, the domestic financial system remains stable, with the Shanghai Composite Index rebounding quickly after a drop on April 7 [2] - The 10-year government bond yield is around 1.65%, and the RMB/USD exchange rate has recovered to approximately 7.2 after a depreciation [2] Group 4 - The National Financial Regulatory Administration plans to introduce eight new policies to enhance financing for real estate and expand long-term investment by insurance funds [3] - These policies aim to support small and private enterprises, adjust regulatory rules, and provide targeted services to businesses affected by tariffs [3] - There will be a focus on increasing investment in technology innovation enterprises and developing high-quality technology insurance [3]