The latest benchmark interest rate for deposits and loans in September 2021:The latest bank interest rate and the latest adjustment list of bank deposit and loan interest rates in September 20021Bank Information Port learned that the People's Bank of China has decided to lower the benchmark interest rates for RMB loans and deposits of financial institutions from September 24, 200215 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 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.5%.
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from September 24th, 20 15 to further reduce the social financing cost. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy.
Starting from that day, 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. At the same time, in order to increase the positive incentives for financial support for "agriculture, rural areas and farmers" and small and micro enterprises, the deposit reserve ratio will be reduced by 0.5 percentage points for eligible financial institutions.
The benchmark interest rates for other grades of loans and deposits will be adjusted accordingly. (This interest rate is 202 1 the latest bank interest rate in September, the new benchmark interest rate for bank deposits and loans)
Banks have the right to float on the basis of the benchmark interest rate. The specific domestic bank deposit interest rate, loan interest rate and provident fund loan interest rate shall be subject to the actual announcement of the bank. At present, as the joint-stock banks gradually raise the interest rate of fixed deposits, interest rate marketization shows signs of starting, and all banks have different degrees of deposit interest rate concessions. Please consult your local bank for details.