春節假期剛剛結束，市場迎來新年首次降息。根據中國央行最新消息，2月5年期以上貸款市場報價利率下降25個基點至3.95%，1年期維持不變。請看本報昨日的報道： China’s benchmark lending rate dropped Tuesday as the country has strengthened monetary measures to give the economy a promising start in the first quarter of 2024. The loan prime rate (LPR), a market-based benchmark lending rate, saw its over-five-year rate, on which lenders base their mortgage rates, come in at 3.95%, down from the previous reading of 4.2%, according to the National Interbank Funding Center. Meanwhile, the one-year LPR remained unchanged at 3.45%. 報道中的LPR (loan prime rate)即貸款市場報價利率，是指由各報價銀行根據其對最優質客戶執行的貸款利率，按照公開市場操作利率加點形成的方式報價，由中國人民銀行授權全國銀行間同業拆借中心計算得出并發布的利率。目前，LPR包括1年期和5年期以上兩個期限品種。 | 