顺风车行业标准课题研究会:定价不应让车主把顺风车当作赚钱工具

2019-11-13 22:19:20

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"新"LPR"来""了"",""房""贷""利""率""、""准""备""金""率""会""调""整""吗""?""央""行""回""应"

"中""新""网""客""户""端""北""京"8"月"20"日""电"("记""者""程""春""雨")"近""日"",""官""方""宣""布""改""革""完""善""贷""款""市""场""报""价""利""率"(LPR)"形""成""机""制""。"20"日"",""全""国""银""行""间""同""业""拆""借""中""心""首""次""发""布""新""的"LPR",""一""年""期"LPR4.25%",""比""原""来""基""准""利""率""降"10"个"BP",""比""以""前""老""的"LPR"降"6"个"BP"。"

"新""的"LPR"形""成""机""制"",""会""增""加""人""民""币""的""贬""值""压""力""?""个""人""房""贷""利""率""会""不""会""跟""着""下""调""?""会""影""响""调""整""准""备""金""率""吗""?""针""对""民""众""关""注""的""系""列""热""点""问""题"",""中""国""人""民""银""行""和""银""保""监""会""相""关""负""责""人"20"日""在""国""新""办""举""行""的""国""务""院""政""策""例""行""吹""风""会""上""进""行""了""回""应""。"

"房""贷""利""率""下""限""的""政""策""会""不""会""调""整""?"

"中""国""人""民""银""行""副""行""长""刘""国""强""表""示"",""这""次""推""出""新""的"LPR"形""成""机""制"",""旨""在""推""进""利""率""市""场""化""改""革"",""由""各""报""价""行""按""市""场""化""原""则""报""价"",""并""由""银""行""参""考"LPR"自""主""加""点""定""价"",""有""利""于""疏""通""货""币""政""策""传""导""机""制"",""提""高""市""场""配""置""资""源""的""效""率"",""促""进""降""低""企""业""融""资""成""本"",""缩""小""国""家""调""控""政""策""与""实""体""经""济""感""受""之""间""的""落""差""。"

"刘""国""强""称"",""对""于""房""地""产""市""场"",""要""坚""持""“""房""子""是""用""来""住""的""、""不""是""用""来""炒""的""”""定""位"",""落""实""房""地""产""长""效""管""理""机""制"",""不""将""房""地""产""作""为""短""期""刺""激""经""济""的""手""段"",""确""保""差""别""化""住""房""信""贷""政""策""有""效""实""施"",""保""持""个""人""住""房""贷""款""利""率""基""本""稳""定""。"

"“""房""贷""利""率""由""参""考""基""准""利""率""变""为""参""考"LPR",""但""最""后""出""来""的""贷""款""利""率""水""平""要""保""持""基""本""稳""定""。""”""刘""国""强""明""确"",""具""体""怎""么""操""作"",""过""几""天""将""会""发""布""关""于""个""人""住""房""贷""款""利""率""政""策""的""公""告""。""“""但""是""有""一""点""是""肯""定""的"",""房""贷""的""利""率""不""下""降""。""”"

"资""料""图"":""山""西""太""原""一""银""行""工""作""人""员""清""点""货""币""。""中""新""社""记""者""张""云""摄"

"会""增""加""人""民""币""的""贬""值""压""力""?"

"中""国""人""民""银""行""货""币""政""策""司""司""长""孙""国""峰""解""释"",""通""常""说""和""汇""率""直""接""相""关""的""是""市""场""利""率"",""这""次""改""革""并""不""涉""及""市""场""利""率""的""变""化"",""这""次""改""革""的""关""键""词""是""贷""款""利""率""的""市""场""化""。""因""此""对""人""民""币""汇""率""没""有""直""接""影""响""。"

"“""最""近""人""民""币""汇""率""波""动""是""市""场""供""求""决""定""的""结""果""”"",""孙""国""峰""指""出"",""近""期""由""于""国""际""经""济""形""势"",""贸""易""摩""擦""出""现""了""一""些""新""情""况"",""单""边""主""义""、""贸""易""保""护""主""义""措""施"",""以""及""对""美""国""向""中""国""加""征""关""税""的""预""期""影""响""了""市""场""供""求"",""进""而""推""动""了""人""民""币""汇""率""的""波""动"",""这""完""全""是""一""个""市""场""化""的""行""为""。"

"孙""国""峰""表""示"",""当""前""中""美""利""差""处""于""舒""适""区""间"",""对""人""民""币""汇""率""保""持""在""合""理""均""衡""水""平""的""基""本""稳""定""充""满""信""心""。"

"会""影""响""调""整""准""备""金""率""?"

"刘""国""强""表""示"",""利""率""市""场""化""改""革""就""像""“""修""水""渠""”"",""目""的""是""让""水""流""更""加""畅""通"",""让""水""更""有""效""率""、""更""精""准""地""流""到""田""间""地""头"",""但""水""的""大""小""还""是""要""看""闸""门""。""因""此"",""利""率""市""场""化""改""革""有""利""于""增""强""货""币""政""策""的""效""果"",""但""不""能""替""代""货""币""政""策"",""也""不""能""替""代""其""他""政""策""。"

"“""从""准""备""金""率""的""角""度""来""说"",""重""点""是""完""善""‘""三""档""两""优""’""的""法""定""准""备""金""率""框""架""。""”""孙""国""峰""说"",""中""国""人""民""银""行"5"月"6"日""宣""布""实""行""“""三""档""两""优""”""的""准""备""金""率""新""框""架"",""在"5"月"15"日""、"6"月"17"日""和"7"月"15"日""分""三""次""实""施"",""目""前""已""经""到""位"",""初""步""建""立""起""了""对""中""小""银""行""低""存""款""准""备""金""率""的""框""架""。"

"孙""国""峰""表""示"",""目""前""中""国""的""准""备""金""率""平""均""水""平""大""概""是"11%",""在""发""展""中""国""家""中""是""中""等""偏""低""的"";""如""果""加""上""超""额""准""备""金"",""计""算""一""个""总""的""准""备""金""率"",""中""国""总""的""准""备""金""率""和""发""达""国""家""相""比""也""是""偏""低""的""。""“""从""法""定""准""备""金""率""的""角""度""来""说"",""过""去""积""累""了""一""定""空""间"",""未""来""有""一""定""的""调""整""空""间"",""但""这""个""空""间""并""不""如""大""家""想""象""的""那""么""大""。""”"

"资""料""图""。""中""新""网""记""者""李""金""磊""摄"

"如""何""杜""绝""不""合""理""的""报""价""行""为""?"

"“""坚""决""打""破""贷""款""利""率""隐""性""下""限""。""”""刘""国""强""表""示"",""明""确""要""求""各""银""行""不""得""通""过""协""同""行""为"",""类""似""于""所""谓""的""价""格""联""盟"",""以""任""何""形""式""设""定""贷""款""利""率""定""价""的""隐""性""下""限""。""监""管""部""门""和""市""场""利""率""定""价""自""律""机""制""将""对""银""行""进""行""监""督"",""企""业""也""可""以""举""报""银""行""协""同""设""定""贷""款""利""率""隐""性""下""限""的""行""为""。"

"“""对""那""些""妨""碍""改""革""、""扰""乱""市""场""秩""序""的""行""为""必""须""严""肃""查""处"",""维""持""金""融""市""场""的""健""康"",""保""持""金""融""生""态""良""好""环""境""。""”""银""保""监""会""副""主""席""周""亮""说"",""银""行""要""持""续""加""强""信""贷""业""务""的""精""细""化""管""理"",""尽""快""完""善""信""息""系""统""和""规""范""合""同""文""本"",""切""实""提""升""市""场""化""定""价""能""力""。"

"“""人""民""银""行""指""导""利""率""自""律""机""制""对""报""价""行""的""行""为""进""行""监""督""管""理"",""要""坚""决""杜""绝""出""现""不""合""理""报""价""的""违""规""行""为""。""将""定""期""对""报""价""行""的""报""价""质""量""进""行""考""核"",""一""经""发""现""违""规""行""为""将""予""以""严""厉""处""罚""。""”""孙""国""峰""说""。"("完")