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重磅：央行发布十条稳市场预期金融措施

2025-05-07 10:42 乐有家研究中心湾区动态

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<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">今日上午9时，国新办举行新闻发布会，央行行长潘功胜发布十项重磅政策：<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">1、降准：下调金融机构存款准备金率0.5个百分点，预计向市场提供长期流动性约1万亿。<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">2、降公积金利率：降低个人住房公积金贷款利率0.25个百分点，5年期以上首套房利率由2.85%降至2.6%，二套由3.325%降至3.075%。<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">3、降商贷利率：公开市场7天期逆回购操作利率从目前的1.5%调降至1.4%，预计将带动贷款市场报价利率（LPR）同步下行约0.1个百分点，预计5.20将降息，届时每日楼市早读将第一时间发布，敬请关注！<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">若公积金贷款利率降至2.6%，且5月20日LPR由现在的3.6%降至3.5%，深圳最新的房贷利率表如下：<img data-src="https://mmbiz.qpic.cn/mmbiz_png/QgeHlW6YSPKbHibZw3XqCXlQVkrG8F64kDhGnkicJUA2Xh2k8dhSRW3ZeZnibzypGXVHVQ8xU3vR6bnK81nYqyoRw/640?wx_fmt=png&from=appmsg" class="rich_pages wxw-img" data-ratio="0.28888888888888886" data-s="300,640" data-type="png" data-w="1080" type="block" data-imgfileid="100011029" data-original-style="null" data-index="0" src="/ueditor/jsp/upload/image/20250507/1746585663739018226.png" _width="677px" __sec_open_place_holder__="true" data-sec-load-status="2" style="visibility: visible !important;width: 677px !important" data-report-img-idx="0" alt="图片"/><p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">按照总价800万，首付2成，组合贷，且首套房二孩家庭公积金贷款209万，按照最新的公积金利率和商贷利率情况下，每月月供可节省510.35元，总利息节省18.4万！<img class="rich_pages wxw-img" data-imgfileid="100011027" data-ratio="0.9275123558484349" data-s="300,640" data-src="https://mmbiz.qpic.cn/mmbiz_png/QgeHlW6YSPKbHibZw3XqCXlQVkrG8F64kHyPjoPHEqErT1iacQmSAVRqppia42DiazDicKEDVFQOaFia0xYkXwe7ib8QA/640?wx_fmt=png&from=appmsg" data-type="png" data-w="607" type="block" data-original-style="null" data-index="1" src="/ueditor/jsp/upload/image/20250507/1746585663774093561.png" _width="607px" __sec_open_place_holder__="true" data-sec-load-status="2" style="visibility: visible !important;width: 607px !important" data-report-img-idx="1" alt="图片"/><a class="weapp_image_link js_weapp_entry js_wx_tap_highlight" data-miniprogram-type="image" data-miniprogram-appid="wx78b8740936ba64a2" data-miniprogram-path="pages/calc/index" data-miniprogram-nickname="房贷计算器提前还款乐有家2024" data-miniprogram-servicetype="" data-miniprogram-applink="" data-miniprogram-imageurl="https://mmbiz.qpic.cn/mmbiz_png/QgeHlW6YSPLsy6Rg9NKh06sAf4uaPm1KIgItJl0L8BJiclaVZP4Syk7ovQUmRLcFIicGaqjsgicPj9pBWSTXdDQWg/640?wx_fmt=png&from=appmsg" href="https://mp.weixin.qq.com/s?__biz=MzIxNzk0NzY5MQ==&mid=2247494678&idx=1&sn=733fa8f96381ccbb3925f89b3d5db9ca&chksm=963d1b11705dc67977130607979cc300973a93d530111b7a65ff2e88490f0a18abec3b4a029c&mpshare=1&scene=1&srcid=0507MtnWjL1MTNuNIDLPHspc&sharer_shareinfo=74f7b89eb66399ea5f1f46ff557d799c&sharer_shareinfo_first=74f7b89eb66399ea5f1f46ff557d799c&key=daf9bdc5abc4e8d004fbfc89162a2d532db2a02387f2a51c8b449396fc7e4cdd763bb1d7c20e15d020fca1264b2a2bf4b8208fbd2daeae07d834c91654bb7a42af62a8c5808ca89b3aaf47e11ff3d7ce633a632468aaa607c7a1e54c902a9c557937f0854e2b89a0a5c9d17877342b662d1d853ce780a1f3efc314a1c2e87e97&ascene=0&uin=MjIzMjc3NjAxOQ%3D%3D&devicetype=Windows+10+x64&version=63090c33&lang=zh_CN&countrycode=CN&exportkey=n_ChQIAhIQg1CBye7hKBnrAYN6pFDTxhLmAQIE97dBBAEAAAAAABJxKWjW8cIAAAAOpnltbLcz9gKNyK89dVj07fdXjmml%2BxODTYesK0djTO4xlMUSo5L2sKDo7ZSmadirZSb3Z5RvQByGimK1kJ7g3iZLm1U7WTpAGtDMu79RkjGf6MITqihFulmOtCy0jom3OdGPIl3pv1P%2BUj8gwuVsxwf9wo46eSuoKviZYQevHTftzA2ud1wJmLmYyTO9yOfhOXmWKn9KVPubx0YpMu7tXc54eWrDtQLcMuQnDEadJKlf4Y5B0O9d2fDr4PBBXSw%2Fn3%2Bqq0dDbio5y7sgtGe0&acctmode=0&pass_ticket=Gn%2B8UgGunIlIsTUMf0IufsQdAzhEIMLmYMjESyMZYDlDd%2Br4glCl0gaIWsXCGhcM&wx_header=1&fasttmpl_type=0&fasttmpl_fullversion=7720263-zh_CN-zip&fasttmpl_flag=3"></a><p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">4、完善存款准备金制度，阶段性将汽车金融公司、金融租赁公司的存款准备金率，从目前的5%调降至0%。<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">5、下调结构性货币政策工具利率0.25个百分点<span style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); vertical-align: baseline; line-height: 1.75em; color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; text-align: start;">，包括：各类专项结构性工具利率、支农支小再贷款利率，均从目前的1.75%降至1.5%；抵押补充贷款（PSL）利率从目前的2.25%降至2%。<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">6、增加3000亿元科技创新和技术改造再贷款额度，由目前的5000亿元增加至8000亿元，持续支持“两新”政策实施。<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">7、设立5000亿元“服务消费与养老再贷款”，引导商业银行加大对服务消费与养老的信贷支持。<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">8、增加支农支小再贷款额度3000亿元，与调降相关工具利率的政策形成协同效应，支持银行扩大对涉农、小微和民营企业的贷款投放。<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">9、优化两项支持资本市场的货币政策工具，将证券、基金、保险公司互换便利5000亿元和股票回购增持再贷款3000亿元额度合并使用，总额度8000亿元。<p style="box-sizing: inherit; -webkit-tap-highlight-color: rgba(255, 255, 255, 0); border: 0px; font-size: 18px; vertical-align: baseline; color: rgb(34, 34, 34); font-family: "PingFang SC", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Helvetica, Arial, "Microsoft YaHei", "Source Han Sans SC", sans-serif; text-align: justify; text-wrap-mode: wrap; margin-top: 10px; margin-bottom: 10px; line-height: 1.75em;">10、创设科技创新债券风险分担工具，央行提供低成本再贷款资金，可购买科技创新债券，并与地方政府、市场化增信机构等合作，通过共同担保等多样化的增信措施，分担债券的部分违约损失风险，为科技创新企业和股权投资机构发行低成本、长期限科创债券融资提供支持。

重磅：央行发布十条稳市场预期金融措施

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