Via approval of the State Council, chinese people bank decides, unlock control of interest rate of financial orgnaization loan in the round since July 20, 2013.
One, cancel interest rate of financial orgnaization loan the floor level of 0.7 times, by financial orgnaization basis commercial principle determines level of loan interest rate independently.
2, abolish control of bill discount interest rate, change discount interest rate imposes bit of certain kind on foundation of rediscount interest rate, decide independently by financial orgnaization.
3, establish upper limit no longer to interest rate of loan of rural credit agency. watch case
4, the housing credit policy that changes to continue to carry out a difference strictly, health of stimulative estate market develops, of short duration of interval of float of interest rate of individual housing loan is not made adjust.
After unlocking control of loan interest rate in the round, financial orgnaizavancouver to harrison hthe best spring poolot springstion and client negotiate the space of the price to will expand further, be helpful for promoting financial orgnaization to adopt the price strategy of poor dissimilation, reduce industry financing cost; Be helpful for financial orgnaization increasing own price capacity ceaselessly, change manages mode, promotion serves a level, the finance that increases pair of enterprises, dweller supports strength; Be helpful for optimizing financial natural resources to configure, develop finance to support the action of hypostatic economy better, stronger n holds economic structural adjustment and transition to upgrade.
The Central Bank answers about chief the reporter asks
Ask: What is the setting that advances interest rate this to commercialize reform further?
Answer: Since 1996, according to the unified deploy of the Party Central Commharrison hot spring dealittee, the State Council, the interest rate of our country commercializes reform to be advanced steadily ceaselessly. Current, people bank deposits money to financial orgnaization RMB only interest rate upper limit and floor level of loan interest rate undertake administrative, market money rate of monetary market, bond and churchyard foreign currency put loan interest rate to already came true commercialize. Mixed in June 2012 in July, people bwatch case openerank enlarged financial orgnaization to put interval of float of loan interest rate further. Interest rate of current our country commercializes reform to already obtained significant progress, financial orgnaization differs dissimilation, essence to refine the feature of the price to be shown further, market mechanism forms medium action to increase apparently in interest watch casesrate.
modern dining chairsOverall look, our country advances interest rate to commercialize reform further grand microcosmic condition is had basically already. Look from macroscopical level, the economy of current our country moves overall and smooth, value circumstances is stabilized basically, it is the favorable opportunity that pushs reform further. Look from microcosmic main body, advance steawatch case manufacturerdily as what in recent years our country finance reforms, hard tie of financial orgnaization finance affairs is farther aggrandizement, own price ability rises ceaselessly, the financial environment that enterprise and dweller fix a price to commercializing also more suit. Look from market base, pass old construction to breed, interest rate of short-term loan of a person of same business between Shanghai bank (Shibor) already became enterprise bond, derive article those who wait for price of Wu of financial product kimono is important and fiducial. Look from adjusting control ability, monetary policy the channel that to money market of all kinds product conducts isthe most popular selling norton internet antivirus relatively expedite already also. According to the party 18 mix greatly " 925 " the requirement that the program raises, and the overall deploy that the Party Central Committee, the State Council reforms about finance, in evaluate degree of maturity of each foundation condition to be paid attention to in the round be on guard below the premise of the risk, via approval of the State Council, people bank decides to advance interest rate to commercialize reform further.
Ask: What is the meaning that unlocks control of loan interest rate this in the round?
Answer: After unlocking control of loan interest rate in the round, financial orgnaization and client negotiate the space of the price to will expand further independently, be helpful for promoting financial orgnaization to adopt the price strategy of poor dissimilation on one hand, reduce industry financing cost, increase own price capacity ceaselessly, change manages mode, promotion serves a level, the finance that increases pair of enterprises, dweller further supports strength. On the other hand, will make an enterprise choose different financing channel according to oneself condition, wait increasingly through bond, stock as the enterprise undertake direct financing, be helpful for developing direct financing market not only, the diversity of stimulative society financing; Also add the space with larger put apart of loan of small small company for financial orgnaization, the credit that increases small small company but acquired character. Overall look, this reform is the significant move of action of sex of base of resource of configuration of farther play market, structural adjustment of progress of hypostatic to promoting finance to support economy, economy and transition upgrade have important sense.
Ask: Why should reform continue this to retain the lower limit of interest rate of individual housing loan?
Answer: Fufree watch caselfil the Party Central Committee, the State Council to concern policy of estate market adjusting control to carry out, restrain investment speculation to buy room demand, stimulative estate market makes the same score steady healthy progress, people bank is carried out to individual housing loan effective policy guides and careful sex is superintended, requirement commercial bank continues to carry out a difference strictly to change housing credit policy. Accordingly, this reform was opposite policy of active interest rate of loan of commerciality individual housing is made adjust, floor level of its interest rate still maintains for loan of standard interest rate 0.7 times changeless.
Ask: Why to establish upper limit to interest rate of loan of rural credit agency no longer?
Answer: In October 2004, when unlocking upper limit of interest rate of financial orgnaization loan, consider mechanism of price of loan of agency of urban and rural at that time credit still is not perfected, retained the upper limit management to its loan interest rate temporarily, and interest rate upper limit by standard interest rate 2 times expand to 2.3 times. In recent years, the join forces that concerns a section in each is driven below, reform of rural credit agency obtains significant progress, urban credit agency already managed or transition is urban commercial bank, the orgnaization of new-style country finance such as bourg bank develops quickly, agriculture Bank " department of 3 agronomic trade " reform is advanced steadily, rural banking service got be ameliothe most popular norton internet antivirusratived actively, the condition that unlocks upper limit of interest rate of loan of rural credit agency is had already basically. Look from exterior condition, outside eliminating rural credit agency, those who include agricultural bank, agriculture to develop commercial bank of bank, country to wait inside is other and of all kinds upper limit of loan interest rate already all unlocked the rural finance orgnaization that provides rural banking service, the mechanism that decides loan interest rate through competing is preliminary form; Look from in-house condition, since rural credit agency is reformed, level of management accuses to rise stage by stage inside its, the risk is on guard ability increases apparently, loan price mechanism is ceaseless and perfect, price action tends reason; Look from actual condition, at present rural credit agency borrows money actually interest rate seldom already touched upper limit, after unlocking upper limit of loan interest rate, interest rate of money of experience agriculture loans won't rise considerably.
Rural credit agency is the main force that rural finance serves, establish upper limit to interest rate of loan of rural credit agency no longer, the principle that is helpful for rural credit agency covering a risk according to accrual fixes a price independently, rise extend the apiration of money of experience agriculture loans; Be helpful for enhancing rural credit agency to satisfy mutiple level the ability of demand of money of experience agriculture loans, raise fund of fund of experience agriculture loans can get a gender; Be helpful for uniting policy of interest rate of loan of orgnaization of of all kinds finance, build the system environment that fairness of interagency of of all kinds finance competes; Be helpful for producing the effect of price lever, optimize experience farming capital to configure efficiency ceaselessly, to promoting improvement rural banking service has active sense.
Ask: How do commercializing reform to pushing interest rate next consider?
Answer: This reform did not enlarge interval of float of interest rate of financial orgnaization saving further, main consideration is saving interest rate the influence that commercializes reform is more far-reaching, asks condition is opposite also taller. The successful experience from international looks, unlocking control of saving interest rate is interest rate commercializes the most crucial, risk is the biggest phase in reforming a progress, need the adult rate according to each foundation condition to divide a pace to carry out, advance in order. Since 2003, company of orgnaization of our country finance administered reform to obtain significant progress, but have not reach the designated position completely, at the same time deposit insurance system, mothe best selling modern dining chairsney market exits the mechanism of form a complete set such as the mechanism to also be in work up process. For this, the each foundation requirement that people bank will concern a branch to perfect saving interest rate commercialize a need further together, reliable and orderly ground advances saving interest rate to commercialize.
Leave one stage, people bank will continue to perfect commercialize interest rate form a mechanism, optimize money market system of standard interest rate, build perfect finance orgnaization own price mechanism, indebted product commercializes escalate price limits, mechanism of market of older rate play configures medium fundamental sex action in financial natural resources.
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