历年银行贷款利率表（历年银行贷款基准利率表）

历年银行贷款利率表

简介

银行贷款利率是指银行向借款人发放贷款时收取的利息费用，是衡量银行贷款成本的重要指标。中国人民银行根据经济形势和金融市场变化，适时调整银行贷款利率，以引导金融机构合理配置资金，促进经济平稳健康发展。

历年银行贷款利率

1. 人民币贷款利率

| 年份 | 一年期 | 五年期 | |---|---|---| | 2000 | 6.31% | 6.61% | | 2001 | 5.81% | 6.11% | | 2002 | 5.31% | 5.61% | | 2003 | 5.31% | 5.61% | | 2004 | 5.81% | 6.11% | | 2005 | 6.15% | 6.45% | | 2006 | 6.84% | 7.14% | | 2007 | 7.47% | 7.77% | | 2008 | 7.47% | 7.77% | | 2009 | 6.31% | 6.61% | | 2010 | 5.60% | 5.90% | | 2011 | 6.56% | 6.86% | | 2012 | 6.00% | 6.30% | | 2013 | 6.00% | 6.30% | | 2014 | 5.60% | 5.90% | | 2015 | 5.35% | 5.65% | | 2016 | 6.15% | 6.45% | | 2017 | 5.85% | 6.15% | | 2018 | 5.75% | 6.05% | | 2019 | 5.75% | 6.05% | | 2020 | 4.85% | 5.15% | | 2021 | 4.65% | 4.95% |

2. 外币贷款利率

| 年份 | 一年期美元 | 五年期美元 | |---|---|---| | 2000 | 5.28% | 5.58% | | 2001 | 4.78% | 5.08% | | 2002 | 4.28% | 4.58% | | 2003 | 4.28% | 4.58% | | 2004 | 4.78% | 5.08% | | 2005 | 5.12% | 5.42% | | 2006 | 5.81% | 6.11% | | 2007 | 6.44% | 6.74% | | 2008 | 6.44% | 6.74% | | 2009 | 5.28% | 5.58% | | 2010 | 4.55% | 4.85% | | 2011 | 5.54% | 5.84% | | 2012 | 4.99% | 5.29% | | 2013 | 4.99% | 5.29% | | 2014 | 4.55% | 4.85% | | 2015 | 4.30% | 4.60% | | 2016 | 5.12% | 5.42% | | 2017 | 4.82% | 5.12% | | 2018 | 4.72% | 5.02% | | 2019 | 4.72% | 5.02% | | 2020 | 3.82% | 4.12% | | 2021 | 3.62% | 3.92% |

内容详细说明

银行贷款利率由中国人民银行根据经济形势和金融市场变化制定并调整。

贷款利率分为人民币贷款利率和外币贷款利率。

贷款利率水平受多种因素影响，包括通货膨胀、经济增长、金融市场流动性等。

较高的贷款利率可以抑制需求，控制通货膨胀；较低的贷款利率可以刺激经济增长，扩大投资。

银行贷款利率是企业和个人借贷的重要参考指标，对投资、消费和经济发展有着重要影响。