提升央行降息的政策效应

To Improve the Policy Effect of Interest-Rates-Lowing

当前,我国经济发展进入＂新常态＂,经济增长和城镇就业处在合理区间,经济结构调整出现积极变化,但经济增长仍处于＂三期叠加＂的关键时期,企业经营压力加大,融资贵的问题仍然较为突出。在此背景下,人民银行决定自2014年11月22日起采取非对称方式下调存贷款利率,有针对性地引导市场利率和社会融资成本下行,促进实际利率逐步回归合理水平,缓解企业融资成本高的问题，保持实体经济平稳增长。

At present, China's economy has entered into the new normal.Under this background,PBC has decided to cut deposit and lending rate by taking the asymmetric approaches and guides market interest rates and social financing costs down pertinenty.And at the same time, it will increase the upper limit of floating interval of the deposit rate,so as to promote the market-oriented interest rate reform.