利率 - 大陆 - 贷款利率
最后更新于：2015-10-24
在2015年，存款利率市场化取得了突破性进展。当年3月、5月，央行将人民币存款利率上限由基准利率的1.2倍依次扩大到1.3倍和1.5倍；8月放开一年期以上（不含一年期）定期存款利率上限；10月对商业银行和农村合作金融机构等不再设置存款利率上限，利率行政管制基本放开。
®基础数据源自于中国人民银行。
自2014年11月22日起，金融机构人民币贷款基准利率期限档次简并为一年以内（含一年）、一至五年（含五年）和五年以上三个档次。
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| 日期 | 贷款：六个月以内（含六个月） | 贷款：六个月至一年（含一年） | 贷款：一年以内（含一年） | 贷款：一至三年（含三年） | 贷款：三至五年（含五年） | 贷款：一至五年（含五年） | 贷款：五年以上 |
|---|---|---|---|---|---|---|---|
| 2015-10-24 | -- | -- | 4.35% | -- | -- | 4.75% | 4.90% |
| 2015-08-26 | -- | -- | 4.60% | -- | -- | 5.00% | 5.15% |
| 2015-06-28 | -- | -- | 4.85% | -- | -- | 5.25% | 5.40% |
| 2015-05-11 | -- | -- | 5.10% | -- | -- | 5.50% | 5.65% |
| 2015-03-01 | -- | -- | 5.35% | -- | -- | 5.75% | 5.90% |
| 2014-11-22 | -- | -- | 5.60% | -- | -- | 6.00% | 6.15% |
| 2012-07-06 | 5.60% | 6.00% | -- | 6.15% | 6.40% | -- | 6.55% |
| 2012-06-08 | 5.85% | 6.31% | -- | 6.40% | 6.65% | -- | 6.80% |
| 2011-07-07 | 6.10% | 6.56% | -- | 6.65% | 6.90% | -- | 7.05% |
| 2011-04-06 | 5.85% | 6.31% | -- | 6.40% | 6.65% | -- | 6.80% |
| 2011-02-09 | 5.60% | 6.06% | -- | 6.10% | 6.45% | -- | 6.60% |
| 2010-12-26 | 5.35% | 5.81% | -- | 5.85% | 6.22% | -- | 6.40% |
| 2010-10-20 | 5.10% | 5.56% | -- | 5.60% | 5.96% | -- | 6.14% |
| 2008-12-23 | 4.86% | 5.31% | -- | 5.40% | 5.76% | -- | 5.94% |
| 2008-11-27 | 5.04% | 5.58% | -- | 5.67% | 5.94% | -- | 6.12% |
| 2008-10-30 | 6.03% | 6.66% | -- | 6.75% | 7.02% | -- | 7.20% |
| 2008-10-09 | 6.12% | 6.93% | -- | 7.02% | 7.29% | -- | 7.47% |
| 2008-09-16 | 6.21% | 7.20% | -- | 7.29% | 7.56% | -- | 7.74% |
| 2007-12-21 | 6.57% | 7.47% | -- | 7.56% | 7.74% | -- | 7.83% |
| 2007-09-15 | 6.48% | 7.29% | -- | 7.47% | 7.65% | -- | 7.83% |
| 2007-08-22 | 6.21% | 7.02% | -- | 7.20% | 7.38% | -- | 7.56% |
| 2007-07-21 | 6.03% | 6.84% | -- | 7.02% | 7.20% | -- | 7.38% |
| 2007-05-19 | 5.85% | 6.57% | -- | 6.75% | 6.93% | -- | 7.20% |
| 2007-03-18 | 5.67% | 6.39% | -- | 6.57% | 6.75% | -- | 7.11% |
| 2006-08-19 | 5.58% | 6.12% | -- | 6.30% | 6.48% | -- | 6.84% |
| 2006-04-28 | 5.40% | 5.85% | -- | 6.03% | 6.12% | -- | 6.39% |
| 2004-10-29 | 5.22% | 5.58% | -- | 5.76% | 5.85% | -- | 6.12% |
| 2002-02-21 | 5.04% | 5.31% | -- | 5.49% | 5.58% | -- | 5.76% |
| 1999-06-10 | 5.58% | 5.85% | -- | 5.94% | 6.03% | -- | 6.21% |
| 1998-12-07 | 6.12% | 6.39% | -- | 6.66% | 7.20% | -- | 7.56% |
| 1998-07-01 | 6.57% | 6.93% | -- | 7.11% | 7.65% | -- | 8.01% |
| 1998-03-25 | 7.02% | 7.92% | -- | 9.00% | 9.72% | -- | 10.35% |
| 1997-10-23 | 7.65% | 8.64% | -- | 9.36% | 9.90% | -- | 10.53% |
| 1996-08-23 | 9.18% | 10.08% | -- | 10.98% | 11.70% | -- | 12.42% |
| 1996-05-01 | 9.72% | 10.98% | -- | 13.14% | 14.94% | -- | 15.12% |
| 1995-07-01 | 10.08% | 12.06% | -- | 13.50% | 15.12% | -- | 15.30% |
| 1995-01-01 | 9.00% | 10.98% | -- | 12.96% | 14.58% | -- | 14.76% |
| 1993-07-11 | 9.00% | 10.98% | -- | 12.24% | 13.86% | -- | 14.04% |
| 1993-05-15 | 8.82% | 9.36% | -- | 10.80% | 12.06% | -- | 12.24% |
| 1991-04-21 | 8.10% | 8.64% | -- | 9.00% | 9.54% | -- | 9.72% |
