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Notice of the People's Bank of China on Some Issues concerning Renminbi Loan Interest Rates
[Effective]
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中国人民银行关于人民币贷款利率有关问题的通知
[现行有效]
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【法宝引证码】
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Notice of the People's Bank of China on Some Issues concerning Renminbi Loan Interest Rates
(No. 251 [2003] of the People's Bank of China)
All branches and business management offices of the People's Bank of China, all policy-related banks, wholly state-owned commercial banks, and stock commercial banks:
In order to steadily promote the market-oriented reform of interest rates, and bring into full play the regulating function of the interest rate leverage, we hereby give our notice as follows regarding the relevant matters concerning Renminbi loan interest rates, as well as the calculation and settlement of interest, etc.:
| | 中国人民银行关于人民币贷款利率有关问题的通知
（银发[2003]251号）
中国人民银行各分行、营业管理部，各政策性银行、国有独资商业银行、股份制商业银行：
为稳步推进利率市场化改革，充分发挥利率杠杆的调节作用。现就有关人民币贷款利率及计结息等有关事宜通知如下：
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I. On the issue of calculation and settlement of Renminbi loan interest. The method for calculating and settling the interest of all items of Renminbi loans (excluding individual housing loans) shall be determined through negotiation between the borrower and the lender.
| | 一、关于人民币贷款计息和结息问题。人民币各项贷款(不合个人住房贷款)的计息和结息方式，由借贷双方协商确定。
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II. On the issue of adjustment of the loan interest rate within the contractual period. The original method of determining the interest rates for medium and long-term Renminbi loans once every year shall be changed into a method in which they are determined by the borrower and the lender pursuant to commercial principles with monthly, quarterly or yearly adjustments during the contractual period, or are determined in a way of fixed interest rate.
．．．．．． | | 二、关于在合同期内贷款利率的调整问题。人民币中、长期贷款利率由原来的一年一定，改为由借贷双方按商业原则确定，可在合同期间按月、按季、按年调整，也可采用固定利率的确定方式。
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