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pan gongsheng said that the average reduction in the interest rate of existing mortgage loans is expected to be 0.5 percentage points, which is expected to benefit 50 million households and 150 million people, and reduce household interest expenses by about 150 billion yuan per year on average. for financial institutions, this will undoubtedly inject new impetus into economic growth and lay the foundation for market stability.
however, while the policy is being adjusted, the fluctuation of international monetary policy remains the focus. the federal reserve cut interest rates by 50 basis points, the first rate cut after the interest rate hike cycle in the past few years, and the momentum of the dollar's appreciation has weakened, leading to new challenges for the rmb exchange rate.
"we need to observe and assess market risks from the perspective of macro-prudential management," pan gongsheng said. in the context of slow economic development, the central bank needs to respond cautiously to changes in international monetary policy and take appropriate measures to weaken and hinder the accumulation of risks.
the people's bank of china will continue to actively study new policy tools, such as the securities, fund and insurance company swap facility, which will provide relevant institutions with opportunities to obtain funds and increase stock holdings, thereby enhancing market vitality.
despite facing challenges from the international environment, pan gongsheng said that the rmb exchange rate still has a stable and solid foundation, the economic recovery and improvement will further consolidate growth, and the people's bank of china's proactive fiscal policy will also provide good guarantees for economic development.
analyze:
this article starts with the adjustment of china's central bank's monetary policy and market fluctuations, analyzes the current situation of china's economic development and the problems it may face in the future, and analyzes and looks forward to these problems.
suggestion:
this analysis can further explore the challenges facing china's economic development, such as changes in the international trade environment, changes in domestic consumer demand, etc. through further market research, we can predict future development trends and formulate corresponding policy measures based on these trends.
