Beta data: What exactly is LPR to prevent “shopping around”?


If, the supermarket pork 15 yuan a catty;And a catty of pork in the wet market only costs 10 yuan a catty, at this time, I believe most people should choose to buy pork in the wet market.And this kind of comparison shopping is not just for everyday shopping, but also for asset management.For example, if we want to borrow money, we will choose a bank with a relatively low loan interest rate, which will save part of the loan cost for us.However, if the loan interest rate is not controlled, it is easy to trigger vicious competition among banks, because as long as the interest rate is low enough, there will be more customers for loans, but at the same time, there will be an increase in non-performing loans, which will also bring some problems to the operation of banks, forming a vicious circle.Therefore, in order to avoid such a situation, China’s central bank set up the benchmark loan interest rate, and the specific loan interest rate of other commercial banks fluctuates based on this benchmark and cannot be arbitrarily determined.And the loan benchmark interest rate is gradually optimized and improved into the current LPR, so what is LPR?How is it calculated?What aspects of our lives will it affect?Disclaimer: The content of this article is for informational purposes only and does not constitute an investment recommendation, offer or invitation to offer to any person, and investors should not substitute such information for their independent judgment or make decisions based solely on such information.There are risks in the market and investment should be cautious.If you think the content of this article infringes your intellectual property rights, please submit the relevant link to ipr@betawm.com, we will deal with it in time.

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