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基准利率是金融市场上具有普遍参照作用的利率，其他利率水平或金融资产价格均可根据这一基准利率水平来确定。基准利率是利率市场化的重要前提之一，在利率市场化条件下，融资者衡量融资成本，投资者计算投资收益，以及管理层对宏观经济的调控，客观上都要求有一个普遍公认的基准利率水平作参考。所以，从某种意义上讲，基准利率是利率市场化机制形成的核心。下面是招生考试网www.chinazhaokao.com小编是为大家分享中国人民银行存贷款基准利率表，欢迎参考!
|
序 |
日期 |
短期 |
中长期 |
个人住房公积金 |
||||
|
6个月 |
6个月至 |
一年至 |
三年至 |
五年以 |
五年以 |
五年以 |
||
| 1 | 2015-6-28 | 4.85 | 4.85 | 5.25 | 5.4 | 5.4 | 3.00 | 3.5 |
| 1 | 2015-5-11 | 5.00 | 5.00 | 5.5 | 5.5 | 5.65 | 3.25 | 3.75 |
| 2 | 2015-3-1 | 5.35 | 5.35 | 5.75 | 5.75 | 5.9 | 3.5 | 4.0 |
|
3 |
2014-11-22 |
5.60 |
5.60 |
6.00 |
6.00 |
6.15 |
3.75 |
4.25 |
|
4 |
2012-07-06 |
5.60 |
6.00 |
6.15 |
6.40 |
6.55 |
4.00 |
4.50 |
|
5 |
2012-06-08 |
5.85 |
6.31 |
6.40 |
6.65 |
6.80 |
4.20 |
4.70 |
|
6 |
2011-07-07 |
6.10 |
6.56 |
6.65 |
6.90 |
7.05 |
4.45 |
4.90 |
|
7 |
2011-04-06 |
5.85 |
6.31 |
6.40 |
6.65 |
6.80 |
4.20 |
4.70 |
|
8 |
2011-02-09 |
5.60 |
6.06 |
6.10 |
6.45 |
6.60 |
4.00 |
4.50 |
|
9 |
2010-12-26 |
5.35 |
5.81 |
5.85 |
6.22 |
6.40 |
3.75 |
4.30 |
|
10 |
2010-10-20 |
5.10 |
5.56 |
5.60 |
5.96 |
6.14 |
3.50 |
4.05 |
|
11 |
2008-12-23 |
4.86 |
5.31 |
5.40 |
5.76 |
5.94 |
3.33 |
3.87 |
|
12 |
2008-11-27 |
5.04 |
5.58 |
5.67 |
5.94 |
6.12 |
3.51 |
4.05 |
|
13 |
2008-10-30 |
6.03 |
6.66 |
6.75 |
7.02 |
7.20 |
4.05 |
4.59 |
|
14 |
2008-10-27 |
6.12 |
6.93 |
7.02 |
7.29 |
7.47 |
4.05 |
4.59 |
|
15 |
2008-10-09 |
6.12 |
6.93 |
7.02 |
7.29 |
7.47 |
4.32 |
4.86 |
|
16 |
2008-09-16 |
6.21 |
7.20 |
7.29 |
7.56 |
7.74 |
4.59 |
5.13 |
|
17 |
2007-12-21 |
6.57 |
7.47 |
7.56 |
7.74 |
7.83 |
4.77 |
5.22 |
|
18 |
2007-09-15 |
6.48 |
7.29 |
7.47 |
7.65 |
7.83 |
4.77 |
5.22 |
|
19 |
2007-08-22 |
6.21 |
7.02 |
7.20 |
7.38 |
7.56 |
4.59 |
5.04 |
|
20 |
2007-07-21 |
6.03 |
6.84 |
7.02 |
7.20 |
7.38 |
4.50 |
4.95 |
|
21 |
2007-05-19 |
5.85 |
6.57 |
6.75 |
6.93 |
7.20 |
4.41 |
4.86 |
|
22 |
2007-03-18 |
5.67 |
6.39 |
6.57 |
6.75 |
7.11 |
4.32 |
4.77 |
|
23 |
2006-08-19 |
5.58 |
6.12 |
6.30 |
6.48 |
6.84 |
4.14 |
4.59 |
|
24 |
2006-04-28 |
5.40 |
5.85 |
6.03 |
6.12 |
6.39 |
4.14 |
4.59 |
|
25 |
2005-03-17 |
5.22 |
5.58 |
5.76 |
5.85 |
6.12 |
3.96 |
4.41 |
|
26 |
2004-10-29 |
5.22 |
5.58 |
5.76 |
5.85 |
6.12 |
3.78 |
4.23 |
|
27 |
2002-02-21 |
5.04 |
5.31 |
5.49 |
5.58 |
5.76 |
3.60 |
4.05 |
|
28 |
1999-06-10 |
5.58 |
5.85 |
5.94 |
6.03 |
6.21 |
4.14 |
4.59 |
|
29 |
1998-12-07 |
6.12 |
6.39 |
6.66 |
7.20 |
7.56 |
0.00 |
0.00 |
|
30 |
1998-07-01 |
6.57 |
6.93 |
7.11 |
7.65 |
8.01 |
0.00 |
0.00 |
|
31 |
1998-03-25 |
7.02 |
7.92 |
9.00 |
9.72 |
10.35 |
0.00 |
0.00 |
|
32 |
1997-10-23 |
7.65 |
8.64 |
9.36 |
9.90 |
10.53 |
0.00 |
0.00 |
|
33 |
1996-08-23 |
9.18 |
10.08 |
10.98 |
11.70 |
12.42 |
0.00 |
0.00 |
|
34 |
1996-05-01 |
9.72 |
10.98 |
13.14 |
14.94 |
15.12 |
0.00 |
0.00 |
|
35 |
1995-07-01 |
10.08 |
12.06 |
13.50 |
15.12 |
15.30 |
0.00 |
0.00 |
|
36 |
1995-01-01 |
9.00 |
10.98 |
12.96 |
14.58 |
14.76 |
0.00 |
0.00 |
|
37 |
1993-07-11 |
9.00 |
10.98 |
12.24 |
13.86 |
14.04 |
0.00 |
0.00 |
|
38 |
1993-05-15 |
8.82 |
9.36 |
10.80 |
12.06 |
12.24 |
0.00 |
0.00 |
|
39 |
1991-04-21 |
8.10 |
8.64 |
9.00 |
9.54 |
9.72 |
0.00 |
0.00 |
|
40 |
1991-03-21 |
9.00 |
10.08 |
10.80 |
11.52 |
11.88 |
-- |
-- |
|
41 |
1990-08-21 |
8.64 |
9.36 |
10.08 |
10.80 |
11.16 |
0.00 |
0.00 |
|
42 |
1989-02-01 |
11.34 |
11.34 |
12.78 |
14.40 |
19.26 |
0.00 |
0.00 |
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