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 Industrial and Commercial Bank of China, the industrial and commercial credit and savings business previously undertaken by the People's Bank of China, is managed by the Industrial and Commercial Bank of China; 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.
20 19 benchmark interest rate
20 19 The benchmark interest rate of the central bank is as follows:
1, deposit interest rate
① Demand deposit: 0.35%;
(2) lump-sum deposit and withdrawal of time deposits:
Shelf life is three months: 1. 10%.
Deposit term is half a year: 1.30%
The deposit term is one year: 1.50%.
The deposit term is two years: 2. 10%.
Term of deposit: 3 years: 2.75%
2. Loan interest rate
Loan term within one year (including one year): 4.35%
The loan term is from one year to five years (including five years): 4.75%.
The loan term is more than five years: 4.90%
3. Interest rate of provident fund loans
The loan term is less than five years (including five years): 2.75%.
The loan term is more than five years: 3.25%
Response time: July 29th, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.
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What is the benchmark loan interest rate of 20 19?
4.35 percent. The benchmark interest rate for 20 19 bank loans is set at 4.35% a year. Banks are financial institutions established in accordance with the law to operate monetary credit business, and they are the products of the development of commodity monetary economy to a certain stage.
What is the benchmark interest rate of 20 19?
20 19 latest benchmark interest rate table for bank deposits and loans
Various deposit interest rates (provided by bank information port)
Demand deposit 0.35
Fixed deposit interest rate in lump sum.
Three months 1. 10
Half a year 1.30
One year 1.50
Two years 2. 10
2.75 pounds for three years
Interest rates of various loans
Within one year (including one year) 4.35
One year to five years (including five years) 4.75
More than five years 4.90
Provident fund loan interest rate
Less than five years (including five years) 2.75
More than five years 3.25
Extended data
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites of interest rate marketization and the core of interest rate marketization mechanism.
In China, the benchmark interest rate is the deposit and loan interest rate stipulated by the People's Bank of China for national specialized banks and other financial institutions. Specifically, the common people regard the one-year fixed deposit interest rate of the bank as the market benchmark interest rate index, and the bank regards the overnight lending rate as the market benchmark interest rate.
China's benchmark interest rate-the national debt interest rate (specifically, the yield of the national debt secondary market) is the most suitable as the benchmark interest rate.
From the general international experience, only the interest rate of financial products with reasonable structure, high reputation and strong liquidity can be used as the benchmark interest rate. Among several interest rates that have been marketized in China, the national debt interest rate (specifically, the yield of the national debt secondary market) is the most suitable as the benchmark interest rate.
National debt has the highest reputation. National debt is the debt issued by the central government with its tax right as the guarantee. As long as there is no political crisis, there is almost no risk in national debt. Therefore, national debt has the highest reputation and the lowest risk among all financial products, and is known as "Phnom Penh bond". No matter in investment practice or theoretical analysis, we should choose the risk-free interest rate, and the non-national debt interest rate is none other than it.
China people's bank loan interest rate benchmark table 20 19
Within one year, 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%.
First, the benchmark deposit and loan interest rate is the loan guidance interest rate issued by the central bank (China People's Bank) to commercial banks, and it is one of the monetary policies used by the central bank to regulate the operation of social economy and financial system. Commercial banks will formulate loan interest rate portfolios on the basis of this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. or vice versa, Dallas to the auditorium
2. 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. On August 25th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 20 15, so as to further reduce the financing costs of enterprises.
Third, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. At the same time, the floating upper limit of interest rates for time deposits of more than one year (excluding one year) will be liberalized, while the floating upper limit of interest rates for demand deposits and time deposits of less than one year will remain unchanged. From 2065438 to September 6, 2005, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit.
Fourth, at the same time, in order to further enhance the ability of financial institutions to support "agriculture, rural areas and farmers" and small and micro enterprises, the reserve ratio of rural financial institutions such as county-level rural commercial banks, rural cooperative banks, rural credit cooperatives and village banks will be further lowered by 0.5 percentage points. Reduce the reserve ratio of financial leasing companies and auto financing companies by 3 percentage points and encourage them to play a good role in expanding consumption.
On June 27th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from June 28th, 2015, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.85%; The benchmark interest rate for one-year deposits is lowered by 0.25 percentage points to 2%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly.
6.2065438+On February 28th, 2005, the People's Bank of China announced that the benchmark interest rates for RMB loans and deposits of financial institutions would be lowered as of March 28th, 2005. The central bank decided to cut the benchmark interest rate for one-year loans of financial institutions by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1.2 times of the benchmark deposit interest rate to 1.3 times; The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.
7.20 165438 2004122 October The People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from 2004122 October. Financial institutions will be reduced by 0.00 percentage point within 6 months (including 6 months), by 0.40 percentage point from 6 months to 1 year (including 1 year), and by 0. 1 5 percentage point from1to 3 years (including 5 years). Housing provident fund deposit and loan interest rates will also be lowered simultaneously.
8.20 12 On June 8, the People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rates of one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also lowered simultaneously.