我国将停止对新增贷款使用传统的基准贷款利率。自2020年1月1日起，贷款市场报价利率将成为银行新增贷款的唯一基准利率，该利率由央行于2019年8月推出。金融机构和客户商定的浮动利率可高于或低于基准利率。

China will stop using the traditional benchmark lending rate for new loans. The loan prime rate (LPR), which was introduced by the central bank in August, will become the only benchmark rate for banks' new lending as of Jan 1. Financial institutions and their clients can negotiate a floating rate higher or lower than the benchmark.

 

为实体经济服务是金融的天职，是金融的宗旨，也是防范金融风险的根本举措。要推动经济去杠杆，坚定执行稳健的货币政策，把国有企业降杠杆作为重中之重。

Serving the real economy is the bounden duty and purpose of the financial sector¹ and the fundamental way to guard against financial risks. The government will continue to deleverage the economy by firmly taking a prudent³ monetary⁴ policy and prioritizing reducing leverage² in State-owned enterprises.

——2017年7月15日，习近平在全国金融工作会议上的讲话

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