What is the bank loan interest rate in 2015?
From January 1 to February 28, 2015, the benchmark annual interest rate for loans announced by the People's Bank of China is as follows: Within 6 months (inclusive) ) 5.6; 6 months to 1 year (including 1 year) 5.6; 1-3 years (including 3 years) 6; 3-5 years (including 5 years) 6; more than 5 years 6.15;
2. From March 1 to May 10, 2015, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 5.35; 6 months to 1 year (inclusive) 5.35; 1-3 years (inclusive) 3 years inclusive) 5.75; 3-5 years (5 years inclusive) 5.75; more than 5 years 5.9;
Three From May 11 to June 27, 2015, the benchmark annual interest rate for loans announced by the People's Bank of China As follows: within 6 months (inclusive) 5.1; 6 months to 1 year (inclusive) 5.1; 1-3 years (inclusive) 5.5; 3-5 years (inclusive) 5.5; more than 5 years 5.65 ;
From June 28 to August 25, 2015, the benchmark annual interest rate for loans announced by the People's Bank of China is as follows: within 6 months (inclusive) 4.85; 6 months to 1 year (inclusive) ) 4.85; 1-3 years (including 3 years) 5.25; 3-5 years (including 5 years) 5.25; more than 5 years 5.4;
Friday August 26, 2015 - October 23, 2015 , the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 4.6; 6 months to 1 year (inclusive) 4.6; 1-3 years (inclusive) 5; 3-5 years (inclusive) 5 Year) 5; more than 5 years 5.15;
Sixth From October 24 to December 31, 2015, the benchmark annual interest rate for loans announced by the People's Bank of China is as follows: within 6 months (inclusive) 4.35; 6 Months to 1 year (including 1 year) 4.35; 1-3 years (including 3 years) 4.75; 3-5 years (including 5 years) 4.75; more than 5 years 4.9.
2015 Loan Interest Rate Table
During 2015, the People’s Bank of China adjusted the personal (RMB) loan interest rate more frequently:
January 1, 2015 On February 28th, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 5.6; 6 months to 1 year (inclusive) 5.6; 1-3 years (inclusive) 6; 3-5 years (including 5 years) 6; more than 5 years 6.15;
From March 1 to May 10, 2015, the benchmark annual interest rate for loans announced by the People's Bank of China is as follows: Within 6 months (inclusive) 5.35; 6 months to 1 year (inclusive) 5.35; 1-3 years (inclusive) 5.75; 3-5 years (inclusive) 5.75; more than 5 years 5.9;
From May 11 to June 27, 2015, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 5.1; 6 months to 1 year (inclusive) 5.1; 1-3 Year (including 3 years) 5.5; 3-5 years (including 5 years) 5.5; More than 5 years 5.65;
Four June 28 - August 25, 2015, the loan benchmark announced by the People's Bank of China The annual interest rate is as follows: within 6 months (inclusive) 4.85; 6 months to 1 year (inclusive) 4.85; 1-3 years (inclusive) 5.25; 3-5 years (inclusive) 5.25; 5 years Above 5.4;
From August 26 to October 23, 2015, the benchmark annual interest rate for loans announced by the People's Bank of China is as follows: within 6 months (inclusive) 4.6; 6 months to 1 year (inclusive) 1 year) 4.6; 1-3 years (including 3 years) 5; 3-5 years (including 5 years) 5; more than 5 years 5.15;
Six October 24, 2015 - December On the 31st, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 4.35; 6 months to 1 year (inclusive) 4.35; 1-3 years (inclusive) 4.75; 3-5 years (inclusive) Including 5 years) 4.75; more than 5 years 4.9.
What is the loan interest rate of the People's Bank of China for the same period in 2015?
New Bank of China loan interest rate table on March 3, 2015:
1. Short-term loans: Within one year (including one year) 5.35
2. Medium and long-term loans: one to five years (including five years) 5.75
More than five years 5.90
China Bank's new deposit interest rate table:
Project annual interest rate ()
1. Urban and rural residents and corporate deposits
Current deposits 0.35; time deposits
1. Whole deposits and withdrawals for three months 2.35 six months 2.55 one year 2.75 two years 3.25 three years 3.75 five years 4.00
2. Whole deposits and withdrawals, whole deposits and partial withdrawals, principal withdrawals The interest rate is 2.35 for one year, 2.55 for three years, and 2.65 for five years.
3. For fixed deposits and deposits for two years, a 40% discount will be applied to the interest rate of the same grade for regular deposits and withdrawals within one year
2. Agreement deposit 1.15
3. Notice deposits one day 0.80 seven days 1.35
The People’s Bank of China’s reform and opening up transitioned from a national bank to a central bank system (1979 to 1992)
1979 In January, in order to strengthen support for the rural economy, the Agricultural Bank of China was restored. In March of the same year, in order to adapt to the new situation of opening up to the outside world and the development of international financial business, the system of the Bank of China was reformed, and the Bank of China became a nationally designated professional foreign exchange bank; at the same time, the State Administration of Foreign Exchange was established. Later, the domestic insurance business was restored and the People's Insurance Company of China was re-established; trust investment companies and urban credit cooperatives were also established in various places, and a situation of diversified financial institutions and financial businesses emerged.
With the growing economy and the increase in financial institutions, there is an urgent need to strengthen the unified management and comprehensive coordination of the financial industry. The People's Bank of China will exclusively assume the responsibilities of the Central Bank of China and become the key to improving the financial system and better developing the financial industry. pressing industry issues. In July 1982, the State Council approved the report of the People's Bank of China, further emphasizing that "the People's Bank of my country is the central bank of our country and a state agency that uniformly manages the national finance under the leadership of the State Council." This was the starting point for the establishment of a specialized central bank. Institutional preparations.
On September 17, 1983, the State Council of the People's Republic of China made a decision that the People's Bank of China would exclusively exercise the functions of the central bank and specified 10 responsibilities of the People's Bank of China. From January 1, 1984, the People's Bank of China began to exclusively perform the functions of a central bank, focusing on research and implementation of national financial macro-decisions, strengthening the control of total credit and the adjustment of funds of financial institutions to maintain currency stability; at the same time The Industrial and Commercial Bank of China was newly established, and the industrial and commercial credit and savings businesses previously undertaken by the People's Bank of China were professionally operated by the Industrial and Commercial Bank of China; the business of branches and branches of the People's Bank of China was under vertical leadership; the Board of Governors of the People's Bank of China was established as a coordinating decision-making body; a deposit reserve system was established and the central bank’s lending system to specialized banks, preliminarily determining the basic framework of the central bank system.
In the early days when the People's Bank of China exclusively exercised its functions as a central bank, with the deepening of the national economic system reform and the rapid economic development, in order to adapt to the emerging needs of a variety of financial institutions, multiple financing channels and multiple credit instruments , the People's Bank of China continues to reform mechanisms, invigorate finance, develop financial markets, and promote financial system innovation. The People's Bank of China strives to explore and improve the means and methods of macro-control. On the basis of improving planned control means, it gradually uses interest rates, deposit reserve ratios, central bank loans and other means to control the supply of credit and money, in order to achieve "macro-economic control". The effect of "control, micro-revitalization, and seeking survival while maintaining stability" has initially cultivated the ability to use monetary policy to regulate the economy in the process of stopping "credit expansion" and "economic overheating" and promoting economic structural adjustment.
What is the loan interest rate of the People's Bank of China in 2015?
1. In 2015, the People's Bank of China adjusted the loan benchmark interest rate 5 times in one ***. The adjustment times were March 1, 2015 and May 2015. .11th, 2015.6.28, 2015.8.26, 2015.10.24. The loan interest rate is as follows:
2. On October 24, 2015, the personal housing provident fund loan interest rate was adjusted as follows:
(1) Loan period: less than five years (including five years), project Annual interest rate (): 2.75
(2) Loan period: more than five years, project annual interest rate (): 3.25
Extended information:
Interest rate floating range The adjustment of interest rates is an important part of the market-oriented reform of interest rates. The central bank has been relatively cautious in the implementation of this measure. For many years, it has implemented the policy that deposit interest rates cannot temporarily float up or down, and loan interest rates can fluctuate by 10% to 70% above the benchmark interest rate.
However, since June 8, 2012, this policy has begun to change. The People's Bank of China has allowed commercial banks to raise deposit interest rates to a maximum of 10% of the benchmark interest rate, and the pace of interest rate liberalization has gradually begun.
Previous adjustments
1. The People’s Bank of China decided that starting from June 8, 2012: (1) The floating range of deposit interest rates of financial institutions will be The upper limit is adjusted to 1.1 times the benchmark interest rate;
(2) The lower limit of the floating range of loan interest rates of financial institutions is adjusted to 0.8 times the benchmark interest rate.
2. The People's Bank of China decided to adjust the lower limit of the floating range of loan interest rates of financial institutions to 0.7 times the benchmark interest rate starting from July 6, 2012. The floating range of personal housing loan interest rates will not be adjusted. Financial institutions must continue to strictly implement differentiated housing credit policies and continue to curb speculative investment purchases.