贷款市场报价利率（LPR）
贷款市场报价利率（Loan Prime Rate，简称LPR）是商业银行对其最优质客户执行的贷款利率，其他贷款利率可在此基础上加减点生成。贷款市场报价利率的集中报价和发布机制，是报价行于每月20日（遇节假日顺延）9时前，按公开市场操作利率（主要指中期借贷便利利率）加点形成的方式，向全国银行间同业拆借中心报价。全国银行间同业拆借中心按去掉最高和最低报价后算术平均的方式计算得出贷款市场报价利率，并于报价当日9时30分公布。贷款市场报价利率由1年期和5年期以上两个期限品种构成。LPR报价银行团现由18家银行组成（中国农业银行作为报价行之一）。
自2025-08-04起，中国农业银行在新发放的贷款中主要参考贷款市场报价利率定价，并在浮动利率贷款合同中采用贷款市场报价利率作为定价基准。
全国银行间同业拆借中心发布的贷款基础利率报价平均利率
|
报价日期 |
期限 |
LPR（%） |
涨跌（bp） |
|
2025-08-04 |
1y |
4.25 |
0 |
|
5y |
4.85 |
0 |
|
|
2025-08-04 |
1y |
4.20 |
-5 |
|
5y |
4.85 |
0 |
|
|
2025-08-04 |
1y |
4.20 |
0 |
|
5y |
4.85 |
0 |
|
|
2025-08-04 |
1y |
4.15 |
-5 |
|
5y |
4.80 |
-5 |
|
|
2025-08-04 |
1y |
4.15 |
0 |
|
5y |
4.80 |
0 |
|
|
2025-08-04 |
1y |
4.15 |
0 |
|
5y |
4.80 |
0 |
|
|
2025-08-04 |
1y |
4.05 |
-10 |
|
5y |
4.75 |
-5 |
|
|
2025-08-04 |
1y |
4.05 |
0 |
|
5y |
4.75 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
-20 |
|
5y |
4.65 |
-10 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.85 |
0 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.80 |
-5 |
|
5y |
4.65 |
0 |
|
|
2025-08-04 |
1y |
3.70 |
-10 |
|
5y |
4.60 |
-5 |
|
|
2025-08-04 |
1y |
3.70 |
0 |
|
5y |
4.60 |
0 |
|
|
2025-08-04 |
1y |
3.70 |
0 |
|
5y |
4.60 |
0 |
|
|
2025-08-04 |
1y |
3.70 |
0 |
|
5y |
4.60 |
0 |
|
|
2025-08-04 |
1y |
3.70 |
0 |
|
5y |
4.45 |
-15 |
|
|
2025-08-04 |
1y |
3.70 |
0 |
|
5y |
4.45 |
0 |
|
|
2025-08-04 |
1y |
3.70 |
0 |
|
5y |
4.45 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
-5 |
|
5y |
4.30 |
-15 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.65 |
0 |
|
5y |
4.30 |
0 |
|
|
2025-08-04 |
1y |
3.55 |
-10 |
|
5y |
4.20 |
-10 |
|
|
2025-08-04 |
1y |
3.55 |
0 |
|
5y |
4.20 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
-10 |
|
5y |
4.20 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
4.20 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
4.20 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
4.20 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
4.20 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
4.20 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
3.95 |
-25 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
3.95 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
3.95 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
3.95 |
0 |
|
|
2025-08-04 |
1y |
3.45 |
0 |
|
5y |
3.95 |
0 |
|
|
2025-08-04 |
1y |
3.35 |
-10 |
|
5y |
3.85 |
-10 |
|
|
2025-08-04 |
1y |
3.35 |
0 |
|
5y |
3.85 |
0 |
|
|
2025-08-04 |
1y |
3.35 |
0 |
|
5y |
3.85 |
0 |
|
|
2025-08-04 |
1y |
3.10 |
-25 |
|
5y |
3.60 |
-25 |
|
|
2025-08-04 |
1y |
3.10 |
0 |
|
5y |
3.60 |
0 |
|
|
2025-08-04 |
1y |
3.10 |
0 |
|
5y |
3.60 |
0 |
|
|
2025-08-04 |
1y |
3.10 |
0 |
|
5y |
3.60 |
0 |
|
|
2025-08-04 |
1y |
3.10 |
0 |
|
5y |
3.60 |
0 |
|
|
2025-08-04 |
1y |
3.10 |
0 |
|
5y |
3.60 |
0 |
|
|
2025-08-04 |
1y |
3.10 |
0 |
|
5y |
3.60 |
0 |
|
|
2025-08-04 |
1y |
3.00 |
-10 |
|
5y |
3.50 |
-10 |
|
|
2025-08-04 |
1y |
3.00 |
0 |
|
5y |
3.50 |
0 |
|
|
2025-08-04 |
1y |
3.00 |
0 |
|
5y |
3.50 |
0 |
