日前我國(guó)一年期和五年期以上貸款市場(chǎng)報(bào)價(jià)利率（LPR）雙雙下調(diào)，專(zhuān)家指出，LPR下調(diào)一方面將有助于降低企業(yè)融資成本、提振市場(chǎng)主體信心，另一方面也有助于穩(wěn)定房地產(chǎn)業(yè)、降低居民房貸負(fù)擔(dān)，促進(jìn)消費(fèi)。

The reduction in China's benchmark lending rates on Monday will boost the nation's economic recovery by spurring corporate and household spending and stabilizing the real estate sector, experts said.

專(zhuān)家稱(chēng)，我國(guó)8月22日下調(diào)基準(zhǔn)貸款利率，將有利于刺激企業(yè)和家庭支出、穩(wěn)定房地產(chǎn)業(yè)，從而促進(jìn)我國(guó)經(jīng)濟(jì)復(fù)蘇。

China's over-five-year loan prime rate (LPR) dropped to 4.3 percent in August from 4.45 percent in July and marking the lowest level since the rate debuted in August 2019, the National Interbank Funding Center said on Monday.

全國(guó)銀行間同業(yè)拆借中心8月22日公布，我國(guó)五年期以上貸款市場(chǎng)報(bào)價(jià)利率（LPR）8月下調(diào)至4.30%，上月為4.45%，這是自2019年8月推出LPR新報(bào)價(jià)方式以來(lái)的最低水平。

The one-year LPR also decreased on Monday, to 3.65 percent from 3.7 percent a month earlier, the center said.

一年期LPR也在同日下調(diào)至3.65%，上月為3.70%。

"The reductions will play a positive role in reducing financing costs for the real economy, improving the confidence of market players and promoting the recovery of credit demand," said Wen Bin, chief economist at China Minsheng Bank.

中國(guó)民生銀行首席經(jīng)濟(jì)學(xué)家溫彬解讀稱(chēng)：“此舉將對(duì)降低實(shí)體經(jīng)濟(jì)融資成本、提振市場(chǎng)主體信心、促進(jìn)信貸有效需求回升發(fā)揮積極作用。”

The marked reduction in the over-five-year LPR will help the real estate sector stabilize by unleashing housing demand and boost consumer spending by reducing household debt burdens, he said.

他指出，此次大幅下調(diào)五年期以上LPR將有助于釋放購(gòu)房需求，穩(wěn)定房地產(chǎn)行業(yè)，也有助于降低家庭債務(wù)負(fù)擔(dān)，促進(jìn)居民消費(fèi)。

Meanwhile, the lowered one-year LPR will further bring down companies' financing costs and drive up the country's growth in fixed-asset investment, Wen said.

溫彬還表示，一年期LPR下調(diào)有助于進(jìn)一步降低企業(yè)融資成本，拉動(dòng)固定資產(chǎn)投資增長(zhǎng)。

An executive meeting of the State Council, China's Cabinet, on Thursday called for efforts to lower the financing burdens on businesses and consumption credit costs for individuals in order to ramp up financial support for the real economy.

8月18日召開(kāi)的國(guó)務(wù)院常務(wù)會(huì)議部署推動(dòng)降低企業(yè)融資成本和個(gè)人消費(fèi)信貸成本的措施，加大金融支持實(shí)體經(jīng)濟(jì)力度。

As a result of Monday's move, the total decline in the over-five-year LPR so far this year has reached 35 basis points, following reductions in May and January.

8月22日利率下調(diào)后，今年以來(lái)五年期以上LPR已累計(jì)下調(diào)35個(gè)基點(diǎn)（前兩次降息分別在1月和5月）。

Wu Chaoming, deputy director of the Chasing International Economic Institute, said more reductions in the over-five-year LPR are possible if the real estate sector recovers at a sluggish pace.

財(cái)信研究院副院長(zhǎng)伍超明表示，如果房地產(chǎn)業(yè)復(fù)蘇緩慢，五年期以上LPR還有可能進(jìn)一步下調(diào)。

Yan Yuejin, director of the E-house China Research and Development Institution, said Monday's cut could save about 90 yuan ($13.16) in monthly payments for a homebuyer who takes out a 30-year mortgage with a principal of 1 million yuan, with those with existing mortgages seeing reductions in their payments starting next year.

易居研究院智庫(kù)中心研究總監(jiān)嚴(yán)躍進(jìn)指出，從明年開(kāi)始按揭買(mǎi)房者就可以享受降息利好，以商貸額度100萬(wàn)元、貸款30年計(jì)算，此次LPR下調(diào)將讓月供減少約90元。

來(lái)源：中國(guó)日?qǐng)?bào)網(wǎng)

翻譯&編輯：丹妮