One,

200 1.6. 10

Six months (including 5.58%)

One-year (inclusive) 5.85%

One to three years (inclusive) 5.94%

Three to five years (inclusive) 6.03%

More than five years 6.2 1%

Second,

2002.2.2 1

Six months (including 5.04%)

One-year (inclusive) 5.3 1%

One to three years (inclusive) 5.49%

Three to five years (inclusive) 5.58%

More than five years, 5.76%

Third,

2004. 10.29

Six months (inclusive) 5.22%

One-year (inclusive) 5.58%

One to three years (inclusive) 5.76%

Three to five years (inclusive) 5.82%

More than five years 6. 12%

Extended data:

1. The benchmark deposit and loan interest rate is the loan guidance interest rate issued by the central bank (People's Bank of China) to commercial banks, and it is one of the monetary policies used by the central bank to regulate the operation of social economy and financial system.

Second, commercial banks will formulate loan interest rate portfolios based on this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. or vice versa, Dallas to the auditorium

Third, interest rates over the years.

According to official website, People's Bank of China, since 20 15, 10/24, the current interest rate of RMB has been adjusted as follows: within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years.

On August 25th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. At the same time, the floating upper limit of interest rates for time deposits of more than one year (excluding one year) will be liberalized, while the floating upper limit of interest rates for demand deposits and time deposits of less than one year will remain unchanged. From 2065438 to September 6, 2005, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit. At the same time, in order to further enhance the ability of financial institutions to support "agriculture, rural areas and farmers" and small and micro enterprises, the reserve ratio of rural financial institutions such as county-level rural commercial banks, rural cooperative banks, rural credit cooperatives and village banks was lowered by 0.5 percentage points. Reduce the reserve ratio of financial leasing companies and auto financing companies by 3 percentage points and encourage them to play a good role in expanding consumption.

On June 27th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from June 28th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.85%; The benchmark interest rate for one-year deposits is lowered by 0.25 percentage points to 2%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. On February 28th, 20 15, the People's Bank of China announced that the benchmark interest rates for RMB loans and deposits of financial institutions would be lowered from March 28th, 20 15 to March 28th, 20 15. The central bank decided to cut the benchmark interest rate for one-year loans of financial institutions by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1.2 times of the benchmark deposit interest rate to 1.3 times; The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.

201165438+1On October 22nd, the People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from 20165438+1October 22nd. Financial institutions will be reduced by 0.00 percentage point within 6 months (including 6 months), by 0.40 percentage point from 6 months to 1 year (including 1 year), and by 0. 1 5 percentage point from1to 3 years (including 5 years). Housing provident fund deposit and loan interest rates will also be lowered simultaneously.

On June 8, 20 12, the people's bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rates of one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also lowered simultaneously.

On July 6th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from July 7th, 201/. The benchmark interest rates of one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also raised simultaneously.

On April 5th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6th, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively.

On February 8, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 9, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

2010 65438+On February 25th, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 26th. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

201019 from 201010, the benchmark interest rate of RMB deposits and loans of financial institutions will be raised. The benchmark interest rate for one-year deposits of financial institutions was raised by 0.25 percentage points, from the current 2.25% to 2.50%; The benchmark interest rate for one-year loans was raised by 0.25 percentage points, from the current 5.3 1% to 5.56%; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly. [5]

165438+2008127 October, starting from 2008127 October, the benchmark interest rate for one-year RMB deposits and loans of financial institutions will be lowered by10.08 percentage point, and the benchmark interest rates for deposits and loans of other maturities will be adjusted accordingly. At the same time, the central bank's refinancing and rediscount rates will be lowered.

On June 29, 2008, from June 30, 2008, the one-year deposit benchmark interest rate was lowered from the current 3.87% to 3.60%, down by 0.27 percentage point; The benchmark interest rate for one-year loans was lowered from the current 6.93% to 6.66%, down by 0.27 percentage points; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly. The interest rate of individual housing provident fund loans remains unchanged.

On June 8th, 2008, 65438+20081October 9th, the benchmark interest rates for one-year RMB deposits and loans were lowered by 0.27 percentage points each; From June 5438+ 10 to June 5438+May 2008, the RMB deposit reserve ratio of deposit-taking financial institutions was lowered by 0.5 percentage point.

September 15, 2008 From September 16, 2008, the benchmark interest rate for one-year RMB loans was lowered by 0.27 percentage points; From September 25th, 2008, the RMB deposit reserve ratio of deposit-taking financial institutions will be lowered by 1 percentage point.

On February 20, 2007, the benchmark interest rate for one-year deposits was raised by 0.27 percentage points; The benchmark interest rate for one-year loans was raised by 0. 18 percentage points.

On September 15, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On August 22, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On July 20, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

In May 2007 19, the benchmark interest rate for one-year deposits was raised by 0.27 percentage points; The benchmark interest rate for one-year loans was raised by 0. 18 percentage points.

On March 8, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On August 9, 2006, the benchmark interest rate for one-year deposits and loans was raised by 0.27%.

On April 28th, 2006, the loan interest rate of financial institutions was raised by 0.27% to 5.85%.

On March 17, 2005, the interest rate of housing loan was raised.

On June 29, 2004 10, the one-year deposit and loan interest rates were all raised by 0.27%.

In July 1993, 1 1, the one-year time deposit interest rate was raised from 9. 18% to 10.98%.

1May, 99315th, the annual interest rate of time deposits of all grades rose by 2. 18% on average, and the interest rates of various loans rose by 0.82% on average.