\u003cdiv class="rich_media_content"\u003e\u003c!--NO_AD_ERROR_2--\u003e\u003cp\u003e　　中新经纬12月20日电 20日，年内最后一轮LPR报价公布，1年期和5年期利率均维持不变。\u003c/p\u003e\u003cp\u003e　　央行公告称，授权全国银行间同业拆借中心公布，2024年12月20日贷款市场报价利率(LPR)为：1年期LPR为3.1%，5年期以上LPR为3.6%。以上LPR在下一次发布LPR之前有效。\u003c/p\u003e\u003cdiv style="text-align: center" data-exeditor-arbitrary-box="image-box"\u003e\u003c!--IMG_0--\u003e\u003c/div\u003e\u003cp class="qqnews_image_desc" style="color: #666; font-size: 14px; text-align: center"\u003e　　来源：央行网站\u003c/p\u003e\u003cp\u003e　　东方金诚首席宏观分析师王青预计，2025年央行会继续实施有力度的降息降准，其中政策性降息幅度有可能达到0.5个百分点，明显高于今年0.3个百分点的降息幅度，而且各类结构性货币政策工具利率也会适时下调，进而引导企业和居民\u003c!--SECURE_LINK_BEGIN_0--\u003e融资\u003c!--SECURE_LINK_END_0--\u003e成本下行。\u003c!--NO_AD_0--\u003e\u003c!--EOP_0--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_0--\u003e\u003cp\u003e　　王青认为，\u003cstrong\u003e不排除2025年通过较大幅度引导5年期以上LPR(贷款市场报价利率)下行等方式，\u003c/strong\u003e继续对居民房贷实施较大力度定向降息的可能。这是促进房地产市场止跌回稳的关键一招。\u003c!--NO_AD_1--\u003e\u003c!--EOP_1--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_1--\u003e\u003cp\u003e　　展望下阶段，\u003c!--SECURE_LINK_BEGIN_1--\u003e民生银行\u003c!--SECURE_LINK_END_1--\u003e首席经济学家温彬表示，虽然内需和融资的向好力度还有待进一步提升，但考虑到政策效果还在释放、市场信心有所提振，且今年以来政策利率下调幅度已达到近四年最大，年内继续降息的必要性和紧迫性降低。\u003cstrong\u003e预计明年货币政策调控强度仍将继续加大，降准降息仍有空间，也会带动LPR报价进一步下行。\u003c/strong\u003e(中新经纬APP)\u003c!--NO_AD_2--\u003e\u003c!--EOP_2--\u003e\u003c!--NO_AD_3--\u003e\u003c!--EOP_3--\u003e\u003c!--NO_AD_4--\u003e\u003c!--EOP_4--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_4--\u003e\u003c!--PARAGRAPH_3--\u003e\u003c!--PARAGRAPH_2--\u003e\u003cp\u003e　　\u003cstrong\u003e(文中观点仅供参考，不构成投资建议，投资有风险，入市需谨慎。)\u003c/strong\u003e\u003c/p\u003e\u003cdiv type="x-list_link" class="qqnews_list_link" style="background-color: #F7F7F7; border-radius: 5px; margin-bottom: 24px; padding: 20px 16px 24px 16px; position: relative; text-align: left"\u003e\u003cdiv style="margin-bottom: 20px"\u003e\u003cspan style="background-image: url(\u0026#39;https://new.inews.gtimg.com/tnews/1d01add9-7272-4aa6-8fa3-af6beaeb5038/icon-day.png\u0026#39;); background-size: cover; display: inline-block; height: 18px; margin-right: 2px; position: relative; top: 3px; width: 18px"\u003e\u003c/span\u003e\u003cspan style="font-size: 16px; font-weight: 600; letter-spacing: 0px; line-height: 16px; text-align: justified"\u003e延展阅读\u003c/span\u003e\u003c/div\u003e\u003cp class="link_list"\u003e\u003c!--LINK_0--\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv powered-by="qqnews_ex-editor"\u003e\u003c/div\u003e\u003cstyle\u003e.rich_media_content{--news-tabel-th-night-color: #444444;--news-font-day-color: #333;--news-font-night-color: #d9d9d9;--news-bottom-distance: 22px}.rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}.rich_media_content{color:var(--news-font-day-color);font-size:18px}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content{color:var(--news-font-night-color)}}.data_color_scheme_dark .rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}.data_color_scheme_dark .rich_media_content{color:var(--news-font-night-color)}.data_color_scheme_dark .rich_media_content{font-size:18px}.rich_media_content p[data-exeditor-arbitrary-box=image-box]{margin-bottom:11px}.rich_media_content\u003ediv:not(.qnt-video),.rich_media_content\u003esection{margin-bottom:var(--news-bottom-distance)}.rich_media_content hr{margin-bottom:var(--news-bottom-distance)}.rich_media_content .link_list{margin:0;margin-top:20px;min-height:0!important}.rich_media_content blockquote{background:#f9f9f9;border-left:6px solid #ccc;margin:1.5em 10px;padding:.5em 10px}.rich_media_content blockquote p{margin-bottom:0!important}.data_color_scheme_dark .rich_media_content blockquote{background:#323232}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content blockquote{background:#323232}}.rich_media_content ol[data-ex-list]{--ol-start: 1;--ol-list-style-type: decimal;list-style-type:none;counter-reset:olCounter calc(var(--ol-start,1) - 1);position:relative}.rich_media_content ol[data-ex-list]\u003eli\u003e:first-child::before{content:counter(olCounter,var(--ol-list-style-type)) '. 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