央行降息！详解你家房贷能省多少钱

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">对于购房人而言，按照3月1日执行后的利率，以贷款100万元，20年计算，购房者可以减少月供144元，合计20年可以减少3.46万元的利息支出。同时，因为全面降准，银行将增加贷款额度，对于购房者来说，首套房的利率折扣将明显增加。
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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">对于开放商而言，有利于借助政策红利，加快推盘节奏，实现去库存的羊年首要任务。另外，目前整体房地产市场的资金链依然比较紧张，而贷款利率下调对极缺钱的开发商来说是很好的消息，意味着开放商的融资成本将有所降低。

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">对于市场而言，此番降息将在一定程度上，会刺激很多持币待购的购房人入市，导致接下来几个月一二线城市的成交量会有所反弹，但对于囤积了大量存量房的三四线城市而言，降息的对于市场的刺激仍然影响不大。

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">然而，对于本次降息能否会成为中国楼市的一剂强心针，凤凰房产则持保留意见。

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">首先，本次降息早在市场预料之中，另外进入2015年以来，中国经济呈现低迷状态，通缩风险加剧，央行本次降息首要目的是为了刺激经济复苏，而未来仍将会出现连续降息、降准的经济刺激手段，并不是为了解救中国楼市的低迷氛围。

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">其次，目前中国楼市的存量房居高不下，特别是三四线城市的房产购买力仍处于低迷状态，对于很多在三四线城市囤积了大量土地和项目的开放商而言，2015年的日子依旧不好过。

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">第三，虽然央行此番降息降低了购房人的月供负担，但并没有改变目前一二线楼市房价居高不下的事实，在以北京为首的一线城市土地价格居高不下，普通商品房将进入“6万元时代”的现实情况下，买不买房还是得由购房人的钱袋子里的资金说得算。（黄平）

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">1、问：2014年11月22日利率调整的效果如何？此次下调存贷款基准利率的主要考虑是什么？

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">答：自2014年11月22日中国人民银行下调存贷款基准利率并进一步推进利率市场化改革以来，随着基准利率引导作用的发挥及各项政策措施的逐步落实，金融机构贷款利率有所下降，社会融资成本高问题得到一定程度的缓解。受经济结构调整步伐加快以及国际大宗商品价格大幅下降的影响，近几个月以来，消费物价涨幅有所回落，工业品价格降幅扩大，对实际利率水平形成推升作用。当前物价涨幅处于历史低位，为适当使用利率工具提供了空间。此次利率调整的重点就是要继续发挥好基准利率的引导作用，进一步巩固社会融资成本下行的成果，为经济结构调整和转型升级营造中性适度的货币金融环境。

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">2、问：此次下调存贷款基准利率的主要内容和预期效果是什么？

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">答：此次采取对称方式下调存贷款基准利率。其中，一年期存款基准利率由2.75%下调至2.5%，一年期贷款基准利率由5.6%下调至5.35%;其他各档次存贷款基准利率及个人住房公积金存贷款利率相应调整。由于央行公布的基准利率仍具有较强的指导意义，再次下调贷款基准利率可望直接对金融机构贷款实际利率产生一定下拉作用。同时存款基准利率的进一步下调，也有利于降低金融机构筹资成本，带动各类市场利率和企业融资成本继续下行，对于进一步缓解企业融资成本高问题具有积极作用。

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">3、问：此次结合利率调整进一步扩大存款利率浮动区间的背景和意义是什么？

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">答：近年来，随着利率市场化改革的不断推进，存款利率浮动区间逐步扩大，金融机构自主定价能力持续提升，已初步形成差异化、精细化的存款利率定价格局。尤其是在存款保险制度即将推出，相关配套改革取得重大突破的背景下，进一步扩大存款利率浮动区间的条件基本成熟。同时，随着理财等存款替代类金融产品的快速发展，越来越多的负债类产品已经自发实现了市场化定价，这都推动我国必须要加快推进存款利率市场化改革。

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">为此，在继续发挥好基准利率对银行定价引导作用的同时，结合推进利率市场化改革，进一步将存款利率浮动区间上限由基准利率的1.2倍扩大至1.3倍。这是我国存款利率市场化改革的又一重要举措。存款利率浮动区间扩大后，金融机构的自主定价空间进一步拓宽，有利于促进其完善定价机制建设、增强自主定价能力、加快经营模式转型并提高金融服务水平，同时也有利于健全市场利率形成机制，更好地发挥市场在资源配置中的决定性作用。

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">4、问：此次利率调整是否意味着货币政策取向转变，下阶段央行货币政策调控和利率市场化改革的思路是什么？

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">答：此次利率调整的重点仍是保持实际利率水平适应经济增长、物价、就业等基本面变动趋势，并不代表稳健的货币政策取向发生变化。当前我国经济发展进入新常态，发展条件和发展环境都在变化，而其核心是经济发展方式和经济结构的改变。下一步，我们将继续按照党中央、国务院的战略部署，坚持稳中求进工作总基调和宏观政策要稳、微观政策要活的总体思路，更加主动地适应经济发展新常态，把转方式调结构放在更加重要的位置，保持政策的连续性和稳定性，继续实施稳健的货币政策，更加注重松紧适度，综合运用多种货币政策工具，适时适度预调微调，为经济结构调整和转型升级营造中性适度的货币金融环境，促进经济科学发展、可持续发展。同时，更加注重改革创新，寓改革于调控之中，把货币政策调控与深化改革紧密结合起来，适时通过推出面向企业和个人的大额存单等方式，继续扩大金融机构自主定价空间，有序推进利率市场化改革，并进一步完善利率调控体系，健全利率传导机制，不断增强央行利率调控能力和宏观调控有效性。（来源：中国人民银行官网）

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RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">方圆地产首席市场分析师邓浩志：再次降息继续利好地产
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">降息无论对购房贷款或者房企开发融资成本的降低都有正面影响，进一步看好2015年的房地产市场。同时降息刺激实体经济与股市，盈利水平的提升也将刺激房地产市场更加活跃。

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">兴业银行首席经济学家鲁政委：降息必要但钝化

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">央行对称降息是对目前经济下行和通缩压力的反应，但刚兑不破银行负债无法下降，由此导致贷款利率难以明显下行。我们一直认为，汇率不贬降息效果甚微;刚兑不破，降息效果钝化。降息之后，存准率未来也将继续持续下调，汇率也会继续走弱。

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">中原地产首席分析师张大伟：首套房的利率折扣将明显增加

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RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">已经明显企稳升温的一二线楼市，在再次降息的影响下难免出现再次的暖上加暖现象，而且因为全面降准，银行将增加贷款额度，对于购房者来说，首套房的利率折扣将明显增加。预计一线城市9折以下将成为主流，甚至有出现85折或者8折的可能性。

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">亚太城市房地产研究院院谢逸枫：房价必3月反弹上涨

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">一.降息之目的:1.抗经济通缩。2.稳楼市房价。3.刺激需求。4.降融资成本。二.降息之力度：1.定向。2.适度微调。3.尺度属中性。4.二季前后会再降息一次。三.降息之意义：1.有利实体经济发展，防止经济通缩。2.有利下降融资成本，改善企业资金状况，3.有利下降购房门槛，刺激购房需求。他认为：“两会前降息释放货币宽松信号，房价必3月反弹上涨。”

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RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">中欧陆家嘴国际金融研究院执行副院长刘胜军：降息降准效果不乐观

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">1、金融体系僵化，难以向真正需要资金的“好企业”输血；2、刚性兑付难打破，无风险利率高企；3、社会负面预期难以扭转。

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;BACKGROUND: none transparent scroll repeat 0% 0%;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">著名战略专家北大岳川博：中国没有多少人民币资产是安全的了

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">
RD-WRAP: break-word !important;PADDING-: 0px"/>

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;LINE-HEIGHT: 24px;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;PADDING-RIGHT: 0px;MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: pre-wrap;BACKGROUND: none transparent scroll repeat 0% 0%;CLEAR: both;FONT-SIZE: 14px;VERTICAL-ALIGN: baseline;WORD-BREAK: break-all;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px">中国没多少招了，降息降准不得不用，至于人民币的未来，自然是信用稀释，人民币对美元汇率的贬值不可阻挡。中国从房产到货币，没有多少人民币资产是安全的了，这也是为什么我建议老板们买入美元及美元资产的原因。