存款基准利率

“安邦共赢3号”之所以受到欢迎，是因为它保证3年后给付5.1%——CNBenefit的数据显示，这一收益率高于2.75%的3年期银行存款基准利率，也高于去年12月银行直接发行的理财产品3.99%的平均收益率。

The popularity of Win-Win \# 3 is due to its guaranteed payout of 5.1 per cent after three years - higher than the benchmark three-year bank deposit rate of 2.75 per cent and the average 3.99 per cent yield on WMPs issued directly by banks in December , according to data from CN Benefit .

一年期存款基准利率和一年期贷款基准利率分别上调至3.6%和7.02%。

After the hikes , the benchmark one-year deposit rate is 3.6 percent while one-year lending rate is 7.02 percent .

下调存款基准利率，是否会通过整个金融体系降低融资成本，并从更大层面上帮助降低利率。

  the reduction in deposit benchmarks will lower financing costs through the financial system and help lower interest rates more generally .

中国央行将一年期存款基准利率上调27个基点，至4.14%，一年期贷款基准利率上调18个基点，至7.47%。

The central bank raised one-year benchmark deposit rates by 27 basis points to 4.14 per cent , and one-year lending rates by 18 basis points to 7.47 per cent .

一年期贷款基准利率下调27个基点，至5.31%；一年期存款基准利率也下调27个基点，至2.25%。

The benchmark one-year lending rate was cut by 27 basis points to 5.31 per cent , while the one-year deposit rate was lowered by the same amount to 2.25 per cent .

中国央行周三表示，从今日起，一年期贷款基准利率上调25个基点，至6.56%，同时一年期存款基准利率上调25个基点，至3.5%。

Benchmark one-year lending rates will be raised 25 basis points to 6.56 per cent from today , while one-year deposit rates will go up 25 basis points to 3.5 per cent , the central bank said on Wednesday .

比如，对于一年期存款，基准利率从3%下调至2.75%。

For one-year deposits , the benchmark rate was lowered from 3 per cent to 2.75 per cent .

但它同时也赋予银行更大的自由度来将实际存款利率设定在基准利率之上。

But it has also granted banks increased freedom to set actual deposit rates above the benchmark .

目前，存款利率允许比基准利率上浮至多50%，而去年11月前至多只能上浮10%。

Deposit rates are now allowed to float as much as 50 per cent above the benchmark , up from only 10 per cent before November last year .

2007年以来，中国人民银行频繁使用法定存款准备金率、基准利率、央行票据、货币掉期等多种流动性管理工具来遏制流动性过剩，然而效果却不十分明显。

Since 2007 , PBC frequently curbs liquidity surplus by using the legal deposit reserve ratio , benchmark rate , central bank bonds , currency swaps and other liquidity management tools . However , the results are not very obvious .

研究结果表明，以法定存款准备金率与存款基准利率为代表的中央银行货币政策的冲击能够引发股票市场短期条件波动。

Our empirical results indicate that the shock in the central bank monetary policy represented by the legal deposit reserve rate and benchmark deposit can trigger the stock market impact of short-term fluctuation .

最新的举措是在十月下旬实施，金融机构存款准备金率下调0.5个百分点，一年期贷款和存款基准利率分别上调0.25个百分点，至4.35%和1.5%，以确保银行体系有充裕的流动资金。

The latest move came in late October when RRR for financial institutions was slashed by 0.5 percentage points and benchmark interest rates for one-year loans and deposits were cut by 0.25 percentage points to 4.35 percent and 1.5 percent respectively , to ensure reasonably adequate liquidity in the banking system .