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Notice of the People's Bank of China about Lowering the Deposit and Lending Rates
[Effective]
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中国人民银行关于降低存、贷款利率的通知
[现行有效]
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【法宝引证码】
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The Notice of the People's Bank of China about Lowering the Deposit and Lending Rates
(No. 48, March 11, 2002)
All the branches and business & management departments of the People's Bank of China, all the policy banks, wholly state-owned commercial banks and joint stock commercial banks, the State Post Bureau:
Upon the approval of the State Council, the People's Bank of China has decided to lower the deposit and lending rates of the financial institutions as of February 21, 2002. It is hereby to notify as follows:
| | 中国人民银行关于降低存、贷款利率的通知
（银发[2002]48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，国家邮政局：
经国务院批准，中国人民银行决定，从2002年2月21日起，降低金融机构存、贷款利率。现通知如下：
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(1)Lowering the deposit interest rates. All the annual deposit interest rates shall be lowered 0.25% at an average on the basis of the current rates (see Table 1).
| | 一、降低存款利率。各项存款年利率在现行基础上平均下调0.25个百分点（具体水平见附表1）。
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(2)Lowering the lending rates. All the annual lending rates shall be lowered 0.5% at an average on the basis of the current rates (see Table 1). The lending rates of the personal housing loans shall be lowered accordingly, the rate for the term of less than 5 years shall be lowered from the current 5.31% to 4.77 %, and the rate for the term of more than 5 years shall be lowered from the current 5.58 to 5.04 %.
| | 二、降低贷款利率。各项贷款年利率在现行基础上平均下调0.5个百分点（具体水平见附表2）。个人住房贷款利率相应下调，五年期以内由现行的5.31%降为4.77%，五年以上由现行的5.58%降为5.04%，
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(3)Lowering the deposit interest rates and re-lending rates (see Table 3) of People's Bank of China to the reserves of the financial institutions, while the current rediscount rates remain unchanged.
．．．．．． | | 三、降低中国人民银行对金融机构的准备金存款利率、再贷款利率（具体水平见附表3），再贴现利率保持不变。
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