China’s central bank cut its benchmark lending rates again on Thursday amid concerns about an economic slowdown in the world’s second-largest economy.
 

The People’s Bank of China reduced the one-year loan prime rate by 10 basis points from 3.8% to 3.7%. In December, the PBOC cut the one-year loan prime rate for the first time since April 2020.
 

The five-year loan prime rate was lowered by 5 basis points from 4.65% to 4.6% — it was the first cut since April 2020, at the height of the coronavirus pandemic in the country.
 

Loan prime rates (LPR) affect the lending rates for corporate and household loans in the country.
 

Most new and outstanding loans in China are based on the one-year LPR, but the five-year rate influences the pricing of home mortgages.
 

央行宣布：LPR，降！

1月20日9:15，资本市场高度关注的LPR（贷款市场报价利率）在万众期待中公布了：1年期LPR为3.7%，下降10个基点；5年期以上LPR为4.6%，下降5个基点。
 

1月19日，人民银行公告，为提高贷款市场报价利率（LPR）报价行报价质量，央行指导利率自律机制对场内外LPR报价行进行了考核，根据考核结果调整了LPR报价行，调整后的LPR报价行共18家，包括：
 

中国工商银行、中国农业银行、中国银行、中国建设银行、交通银行、中国邮政储蓄银行、招商银行、兴业银行、上海浦东发展银行、中国民生银行、南京银行、台州银行、上海农村商业银行、广东顺德农村商业银行、深圳前海微众银行、浙江网商银行、花旗银行（中国）和渣打银行（中国）。
 

相较此前，邮储银行、南京银行新入围，西安银行和中信银行未入选。
 

除报价行有调整外，央行将LPR发布时间由每月20日（遇节假日顺延）上午9:30调整为9:15。

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