中国人民银行决定,自2015年5月11日起下调金融机构人民币存贷款基准利率。
金融机构一年期贷款基准利率下调0.25个百分点至5.1%;一年期存款基准利率下调0.25个百分点至2.25%。
同时结合推进利率市场化改革,将金融机构存款利率浮动区间的上限由存款基准利率的1.3倍调整为1.5倍;其他各档次贷款及存款基准利率、个人住房公积金存贷款利率作相应调整。 这是中国央行半年内第三度降息。
从过往经验来看,中国央行每次调整存贷款基准利率,除对银行存贷业务、个人住房市场直接产生作用外,对股市也有一定间接作用。
下表将会列出2002至2015年中国央行历次调整存贷款基准利率与消息公布后,股市首个交易日指数涨跌的相应变化情况,供广大网友学习、参考。
2002至2015年中国央行历次利率调整与股市变化
# | 时间 | 存款 | 贷款 | 消息公布后,股市首个交易日指数涨跌变化 | |||||
调整幅度 | 一年期实际利率 | 调整幅度 | 一年期实际利率 | 上海股市 | 深圳股市 | ||||
涨跌幅 | 股指 | 涨跌幅 | 股指 | ||||||
01 | 2002.02.21 | -0.27% | 1.98% | -0.54% | 5.31% | +1.57% | +1.40% | ||
02 | 2004.10.29 | +0.27% | 2.25% | +0.27% | 5.58% | -1.58% | -2.31% | ||
03 | 2006.04.28 | +0.00% | 2.25% | +0.27% | 5.85% | +1.66% | +0.21% | ||
04 | 2006.08.19 | +0.27% | 2.52% | +0.27% | 6.12% | +0.20% | +0.20% | ||
05 | 2007.03.18 | +0.27% | 2.79% | +0.27% | 6.39% | +2.87% | +1.59% | ||
06 | 2007.05.19 | +0.27% | 3.06% | +0.18% | 6.57% | +1.04% | +2.54% | ||
07 | 2007.07.21 | +0.27% | 3.33% | +0.27% | 6.84% | +3.81% | +5.38% | ||
08 | 2007.08.22 | +0.27% | 3.60% | +0.18% | 7.02% | +0.50% | +2.80% | ||
09 | 2007.09.15 | +0.27% | 3.87% | +0.27% | 7.29% | +2.06% | +1.54% | ||
10 | 2007.12.21 | +0.27% | 4.14% | +0.18% | 7.47% | +1.15% | +1.10% | ||
11 | 2008.09.16 | +0.00% | 4.14% | -0.27% | 7.20% | -4.47% | -0.89% | ||
12 | 2008.10.09 | -0.27% | 3.87% | -0.27% | 6.93% | -0.84% | -2.40% | ||
13 | 2008.10.30 | -0.27% | 3.60% | -0.27% | 6.66% | +2.55% | +1.91% | ||
14 | 2008.11.27 | -1.08% | 2.52% | -1.08% | 5.58% | +1.05% | +2.29% | ||
15 | 2008.12.23 | -0.27% | 2.25% | -0.27% | 5.31% | -4.55% | -4.69% | ||
16 | 2010.10.20 | +0.25% | 2.50% | +0.25% | 5.56% | +0.07% | +1.23% | ||
17 | 2010.12.26 | +0.25% | 2.75% | +0.25% | 5.81% | -1.90% | 2781 | -2.02% | 12303 |
18 | 2011.02.09 | +0.25% | 3.00% | +0.25% | 6.06% | -0.89% | 2274 | -1.53% | 11808 |
19 | 2011.04.06 | +0.25% | 3.25% | +0.25% | 6.31% | +1.14% | 3001 | +0.33% | 12741 |
20 | 2011.07.07 | +0.25% | 3.50% | +0.25% | 6.56% | -0.58% | 2794 | -0.26% | 12393 |
21 | 2012.06.08 | -0.25% | 3.25% | -0.25% | 6.31% | -0.51% | 2281 | -0.50% | 9707 |
22 | 2012.07.06 | -0.25% | 3.00% | -0.31% | 6.00% | +1.01% | 2224 | +2.95% | 9690 |
23 | 2014.11.24 | -0.25% | 2.75% | -0.40% | 5.60% | +1.85% | 2533 | +2.95% | 8578 |
24 | 2015.03.01 | -0.25% | 2.50% | -0.25% | 5.35% | +0.79% | 3336 | +1.07% | 11884 |
25 | 2015.05.11 | -0.25% | 2.25% | -0.25% | 5.10% | +3.04% | 4334 | +3.20% | 14945 |
26 | 2015.06.28 | -0.25% | 2.00% | -0.25% | 4.85% | -3.34% | 4053 | -5.78% | 13566 |
27 | 2015.08.26 | -0.25% | 1.75% | -0.25% | 4.60% | -1.27% | 2927 | -2.92% | 9900 |
28 | 2015.10.24 | -0.25% | 1.50% | -0.25% | 4.35% | +0.50% | 3430 | +0.73% | 11688 |
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