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02月26日, 网友发出的邮储银行说明显示,2024年2月1日零时起,该行对符合年初重定价的客户,在登录手机银行贷款页面时向客户弹窗提示进行“利率调整方式变更”。客户可将利率调整方式由固定日调整变更为指定还款日调整,即贷款利率随lpr调整的时间由每年1月1日调整为指定还款日。。
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zhongxinjingwei2yue22ridian (weiwei shixisheng zhangxumin)“20rizaoshang,wokandaolpr(daikuanshichangbaojialilv)xiatiaodexiaoxi,jiuganjingeidaikuanyinxingdaledianhua,wennengbunengbiangengdaikuanzhongdingjiari,jieguogaosuwobuneng。”jinri,beijingdeguanxianshengzheyanggaosujizhe。。
该机构指出,从货币政策近期的表态来看,一季度lpr报价或以超市场预期的姿势出现。从2022年以来,“非对称降息”成为货币政策的主流操作风格,2022年1月份迄今的5次“降息”中,mlf与1年期、5年期以上lpr联动的仅有2023年6月一次,综合2023年全年,1年期mlf合计调降25个bp,但1年期lpr累计下调20个bp,5年期以上lpr合计下调10个bp,在2023年,5年期以上lpr调降幅度低于1年期lpr报价。可结合人民银行在1月24日新闻发布会上“推动信贷定价基准的贷款市场报价利率,也就是我们说的lpr下行”的定调,预计一季度“降息”安排或以lpr报价为主要调降目标,lpr报价或仍以“非对称降息”的方式铺排,5年期lpr报价降幅或超过1年期lpr。。
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