LPR连续16个月“不动” 贷款实际利率下行有空间

经济参考报2021-08-23

中国人民银行授权全国银行间同业拆借中心公布，2021年8月20日贷款市场报价利率（LPR）为：1年期LPR为3.85%，5年期以上LPR为4.65%。8月LPR报价与7月持平，这也是自去年5月以来，LPR连续16个月保持不变。不过，业内人士表示，贷款实际利率还有进一步下行空间。中国民生银行首席研究员温彬表示，LPR报价由MLF利率和银行点差两部分构成。今年8月16日，央行缩量续做到期的MLF（...

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PuaTongSeng
2021-08-23
PuaTongSeng
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Alibaba4
2021-08-23
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2021-08-23
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There is room for the real interest rate of loans to go down","themeId":null,"isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/f64aa49cbced93c99aa624f004b42446","symbols_score_info":{"TNmain":0.9,"UBmain":0.9,"ZBmain":0.9,"ZFmain":0.9,"ZNmain":0.9,"ZTmain":0.9},"content_text":"中国人民银行授权全国银行间同业拆借中心公布，2021年8月20日贷款市场报价利率（LPR）为：1年期LPR为3.85%，5年期以上LPR为4.65%。8月LPR报价与7月持平，这也是自去年5月以来，LPR连续16个月保持不变。不过，业内人士表示，贷款实际利率还有进一步下行空间。\n中国民生银行首席研究员温彬表示，LPR报价由MLF利率和银行点差两部分构成。今年8月16日，央行缩量续做到期的MLF（中期借贷便利），利率维持在2.95%的水平，预示着LPR大概率保持不变。另外，虽然7月15日降准释放长期资金，有利于降低银行负债成本，但银行负债整体压力仍然较大，尚不足以驱动银行点差部分压降。\n“全面降准对降低银行负债端资金成本有一定作用，但截至目前，其下降幅度尚不足以促使报价行下调LPR报价0.05个百分点（0.05个百分点为LPR报价最小调整步长）。这是7月15日全面降准落地后，LPR报价连续两个月维持原有水平的一个直接原因。”东方金诚首席宏观分析师王青说。\n展望未来，尽管本月LPR报价未发生调整，但多数业内人士表示，贷款实际利率还有进一步下行空间，实体经济融资成本将稳中有降。\n光大证券固定收益首席分析师张旭表示，前期一系列压降银行负债成本的政策给降低贷款实际利率提供了空间。“比如，存款利率自律上限确定方式改为在存款基准利率上加点确定，并于6月21日正式实施；结构性存款规模持续压降，全国性银行6月末余额为6.04万亿元，已较去年同期大幅压降44.2%等。”他说。\n王青判断企业贷款利率还有进一步下行空间。他说，降准效应下，近期包括DR007、10年期国债收益率、1年期商业银行（AAA级）同业存单到期收益率等关键市场利率出现不同幅度下行，在前期监管层着力打破利率双轨制的背景下，三季度企业贷款利率也会在一定程度上随之下行，政策红利会进一步向企业融资成本传导。\n温彬表示，下一阶段，要做好宏观政策的跨周期调节，积极的财政政策将持续发力，财政支出进度加快，有助于改善市场流动性。货币政策将在稳健基础上，通过多种货币政策工具组合保持流动性合理充裕，预计政策利率短期内保持稳定，将继续释放LPR改革潜力，降低银行负债成本，引导金融机构降低实际贷款利率，促进实体经济融资成本稳中有降。","kind":null,"is_publish_news":false,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":835925320,"gmtCreate":1629684736160,"gmtModify":1633683219640,"author":{"id":"3586656280148992","authorId":"3586656280148992","name":"PuaTongSeng","avatar":"https://static.tigerbbs.com/3ee3da8bcdfe53b216563ab50afc6e5e","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3586656280148992","authorIdStr":"3586656280148992"},"htmlText":"[害羞]","listText":"[害羞]","text":"[害羞]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/835925320","repostId":2161740015,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":835018733,"gmtCreate":1629680844722,"gmtModify":1631891430107,"author":{"id":"3585803365128858","authorId":"3585803365128858","name":"Alibaba4","avatar":"https://static.tigerbbs.com/0754ef9c1dfeb0bb908c0592c33ea546","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3585803365128858","authorIdStr":"3585803365128858"},"htmlText":"noted","listText":"noted","text":"noted","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/835018733","repostId":2161740015,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5616871,"gmtCreate":1629687252738,"gmtModify":1629687252738,"authorId":3581195882793520,"author":{"id":3581195882793520,"idStr":"3581195882793520","authorId":3581195882793520,"name":"Shelleyblack","avatar":"https://static.tigerbbs.com/255b35a995530820f232071dee6af905","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":835018733,"type":1,"supId":0,"prevId":0,"content":"noted","text":"noted","html":"noted"}],"langContent":"EN"},{"id":835011359,"gmtCreate":1629680818171,"gmtModify":1631891430107,"author":{"id":"3585803365128858","authorId":"3585803365128858","name":"Alibaba4","avatar":"https://static.tigerbbs.com/0754ef9c1dfeb0bb908c0592c33ea546","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3585803365128858","authorIdStr":"3585803365128858"},"htmlText":"noted","listText":"noted","text":"noted","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/835011359","repostId":2161740015,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5616079,"gmtCreate":1629684547222,"gmtModify":1631891430354,"authorId":3584959499682904,"author":{"id":3584959499682904,"idStr":"3584959499682904","authorId":3584959499682904,"name":"songtan","avatar":"https://static.tigerbbs.com/48257dc25945835234fac24106dc0283","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":835011359,"type":1,"supId":0,"prevId":0,"content":"好","text":"好","html":"好"}],"langContent":"EN"}],"isCommentEnd":false,"newsSizeData":{"likeSize":26,"commentSize":3,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; 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