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央行决定,自2013年7月20日起,国内金融机构贷款利率管制将全面放开,自此,历时18年的利率市场化改革迈出了关键性的一步。这一信号不仅受到社会的普遍关注,更被认为是存款利率市场化的前奏。那么,利率市场化的到来,对老百姓带来了什么影响?又该如何应对呢?贷款下限取消房贷利率短期趋高本次放开贷款利率的主要内容,一是取消金融机构贷款利率0.7倍的下限,由金融机构根据商业原则自主确定贷款利率水平。二是取消票据贴
The central bank has decided that since July 20, 2013, the interest rate liberalization of domestic financial institutions will be fully liberalized. Since then, the 18-year marketization of interest rate liberalization has taken a crucial step. This signal is not only the general concern of the community, but also is considered a prelude to market-oriented deposit rates. So, the arrival of the interest rate market, the people brought what effect? And how to deal with it? Loan lower limit to lift the mortgage interest rates short-term higher The main content of this lending rate, first, cancel the financial institutions lending rate 0.7 times Lower limit, by the financial institutions in accordance with commercial principles to determine the level of lending rates. Second, cancel the bill stickers