4.35%。 According to the interest rate information of the People's Bank of China, the benchmark interest rate for loans in the same period of 20 19 was 4.35%. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
2065438+2009 benchmark interest rate of similar RMB loans of China People's Bank.
In 20 19, the benchmark interest rate of similar RMB loans of China People's Bank is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years. According to official website, People's Bank of China, since 20 15, 10/24, the current interest rate of RMB has been adjusted as follows: within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years.
20 19 China people's bank loan interest rate for the same period.
Including one-year short-term loans, the central bank's benchmark interest rate is 4.35%; From one year to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%; For long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%. If it is a personal provident fund loan, including short-term loans of less than five years, the benchmark interest rate of the central bank is 2.75%. For long-term loans of more than five years, the central bank's benchmark interest rate is 3.25%.
1. June, 1979,1.In order to strengthen the support for rural economy, the Agricultural Bank of China resumed. In March of the same year, in order to adapt to the new situation of opening to the outside world and the development of international financial business, China Bank was reformed, and China Bank became a national designated foreign exchange professional bank; At the same time, the State Administration of Foreign Exchange was established. Later, the domestic insurance business was resumed and China People's Insurance Company was re-established. Trust and investment companies and urban credit cooperatives have also been established in various places to diversify financial institutions and services.
Second, with the increasing development of the economic and financial institutions of the People's Bank of China, it is urgent to strengthen the unified management and comprehensive coordination of the financial industry, and the People's Bank of China will assume the responsibility of the central bank of China, which has become an urgent issue to improve the financial system and better develop the financial industry. 1In July, 982, the State Council approved the report of the People's Bank of China, further emphasizing that "China People's Bank is the central bank of China, and it is a state organ that manages the national finance under the leadership of the State Council", and thus began the preparatory work for establishing a special central banking system.
Three. 1983 On September 7, 2007/kloc-0, People's Republic of China (PRC) and the State Council decided that the People's Bank of China should exercise the functions of the central bank exclusively, and stipulated the responsibilities of the People's Bank of 10. From 10 to 65438+65438 0984+ 1 in October, the People's Bank of China began to exercise the functions of the central bank, focusing on studying and implementing the macro-decision of the state's finance, strengthening the total credit control and the fund regulation of financial institutions, and maintaining monetary stability; At the same time, the newly established China Industrial and Commercial Bank, which used to be undertaken by the People's Bank of China, is operated by China Industrial and Commercial Bank; The business of the branches of the People's Bank of China shall be led vertically; Establish the Council of the People's Bank of China as a coordinating decision-making body; The deposit reserve system and the central bank's loan system for specialized banks were established, and the basic framework of the central bank system was initially determined.
4. In the early days when the People's Bank of China exercised its central bank function, with the deepening of the national economic system reform and the rapid economic development, in order to meet the needs of various financial institutions, various financing channels and various credit instruments, the People's Bank of China constantly reformed its mechanism, invigorated its finance, developed its financial market and promoted the innovation of its financial system. The People's Bank of China strives to explore and improve the means and methods of macro-control. On the basis of improving the means of planning and control, we will gradually use interest rates, deposit reserve ratio and central bank loans to control the supply of credit and money, so as to achieve the effect of "macro-control, micro-invigorating, and striving for progress while maintaining stability". In the process of stopping "credit expansion" and "economic overheating" and promoting economic restructuring, the ability to adjust the economy by using monetary policy has been initially cultivated.