ID 原文 译文
49299 覆盖面广，包括复工复产的中小微企业，参与的金融机构也更加广泛，包括2500家左右的地方法人银行。 The quotas cover a wide range of entities, including micro, small and medium-sized enterprises (MSMEs) which are resuming work and production, and involves more financial institutions, including around 2,500 locally incorporated banks.
49300 实施方式是在人民银行现有的再贷款再贴现管理下操作，只要金融机构的贷款利率和用途符合要求，就可以到人民银行等额申请再贷款资金。 The RMB500 billion quotas are implemented under the PBC’s current management framework of central bank lending and central bank discounts, that is, as long as the rates and intended usage of loans of financial institutions meet the requirements, they can apply for an equivalent amount of central bank lending from the PBC.
49301 5000亿元再贷款、再贴现政策实现了增量、降价、扩面。 The RMB500 billion of central bank lending and discounts have realized volume increase, price reduction and coverage expansion.
49302 增量就是增加了5000亿元的额度，降价是降低了支农支小再贷款的利率0.25个百分点，扩面是重点支持复工复产、脱贫攻坚、春耕备耕、畜禽养殖、外贸行业等受疫情影响比较大领域的企业。 Specifically, for increasing the volume, the quotas have been raised by a total of RMB500 billion; for reducing price, the interest rates of central bank lending in support of agriculture and MSEs were lowered by 0.25 percentage points; and for expanding coverage, the funds are used to provide priority support to enterprises resuming work and production and those engaged in heavily affected areas such as poverty alleviation, spring farming and tillage preparation, poultry and livestock breeding and foreign trade.
49303 截至到3月13日，收到5000亿元再贷款再贴现政策支持的地方法人银行已累计发放优惠利率贷款1075亿元 As of March 13, the locally incorporated banks, under the support of the RMB500 billion policy, have issued RMB107.5 billion in loans at preferential rates.
49304 其中涉农贷款205亿元，加权平均利率4.40%，普惠小微贷款385亿元，加权平均利率为4.36%，办理再贴现485亿元，加权平均利率为2.98% Specifically, agriculture-related loans, inclusive MSE loans and central bank discounts amounted to RMB20.5 billion, RMB38.5 billion and RMB48.5 billion respectively, with their weighted average interest rates standing at 4.40 percent, 4.36 percent and 2.98 percent respectively.
49305 这个利率低于国务院要求的LPR+50个基点目前是4.55%的要求。 All the rates are lower than the current requirement of 4.55 percent, which equals to the loan prime rate plus 50 basis points, which is set by the State Council.
49306 中央广播电视总台央视财经频道记者：疫情期间央行通过公开操作和逆回购引导利率整体下行，下一步针对国内复工复产情况以及经济发展在利率调节上会做哪些调整？请给我们介绍一下。谢谢。 Journalist with CCTV Business Channel, China Central Television, China Media Group: During the epidemic, the PBC has guided a downtrend of overall interest rates via open market operations and reverse repos. In the next stage, what adjustments will be made to the interest rates so as to accommodate to the country’s work resumption and economic growth? Could you please elaborate on the issue? Thank you.
49307 孙国峰：随着利率市场化改革的推进和我国利率市场化程度的提高，在观察利率水平时，还要更加关注实际利率的变化。 Sun Guofeng: With the advancements in the market-oriented interest rate reform and increased liberalization of interest rates, we need to focus more on changes in real interest rates when observing interest-rate levels.
49308 近年来人民银行重点通过利率市场化改革的办法促进降低贷款实际利率。 In recent years, the PBC has facilitated the reduction of real lending rates mainly through interest rate reform.