日前我國一年期和五年期以上貸款市場報價利率（LPR）雙雙下調，專家指出，LPR下調一方面將有助于降低企業融資成本、提振市場主體信心，另一方面也有助于穩定房地產業、降低居民房貸負擔，促進消費。
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.
專家稱，我國8月22日下調基準貸款利率，將有利于刺激企業和家庭支出、穩定房地產業，從而促進我國經濟復蘇。
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.
全國銀行間同業拆借中心8月22日公布，我國五年期以上貸款市場報價利率（LPR）8月下調至4.30%，上月為4.45%，這是自2019年8月推出LPR新報價方式以來的最低水平。
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.
中國民生銀行首席經濟學家溫彬解讀稱：“此舉將對降低實體經濟融資成本、提振市場主體信心、促進信貸有效需求回升發揮積極作用。”
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，此次大幅下調五年期以上LPR將有助于釋放購房需求，穩定房地產行業，也有助于降低家庭債務負擔，促進居民消費。
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下調有助于進一步降低企業融資成本，拉動固定資產投資增長。
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日召開的國務院常務會議部署推動降低企業融資成本和個人消費信貸成本的措施，加大金融支持實體經濟力度。
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日利率下調后，今年以來五年期以上LPR已累計下調35個基點（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.
財信研究院副院長伍超明表示，如果房地產業復蘇緩慢，五年期以上LPR還有可能進一步下調。
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.
易居研究院智庫中心研究總監嚴躍進指出，從明年開始按揭買房者就可以享受降息利好，以商貸額度100萬元、貸款30年計算，此次LPR下調將讓月供減少約90元。
來源：中國日報網
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