中国人民银行公布的最新报价显示，1年期LPR和5年期以上LPR均连续17个月保持不变，分别为3.0%和3.5%1。与此同时，央行行长潘功胜宣布将推动贷款利率定价基准改革，从单一的LPR定价模式向多元定价基准转变1。
根据改革方向，财务能力强的企业将可以自主选择DR001等市场资金利率或LPR作为浮动利率贷款定价基准1。其中DR001近期约为1.3%1。数据显示，根据央行货币政策执行报告，截至2026年6月，已有50.83%的贷款利率低于LPR1，反映出市场在差异化定价上的需求。
China's central bank has maintained its loan prime rate (LPR) unchanged for the 17th consecutive month, with the one-year and five-year-plus tenors both holding steady at 3.0% and 3.5% respectively.1 However, the People's Bank of China is preparing to overhaul how lending rates are priced, moving away from the current single-benchmark model toward a diversified approach.
Central bank Governor Pan Gongsheng announced plans to reform the lending rate pricing framework, introducing multiple benchmarks including the DR001 overnight interbank rate alongside the traditional LPR.1 Under the proposed system, financially capable enterprises would be allowed to choose between DR001—currently around 1.3%—or LPR as the reference rate for floating-rate loans.1 This shift reflects evolving market conditions; as of June, 50.83% of outstanding loans were already priced below the LPR, suggesting that the traditional single-benchmark approach may no longer reflect actual lending practices across the economy.1
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