Largest LPR Reduction of the Year: 1-Year and 5-Year Rates Cut by 25 Basis PointsLPR年内最大降幅，1年期和5年期均下调25个基点On October 21, the latest loan prime rate (LPR) was released, with both the 1-year and over-5-year LPR reduced by 25 basis points.10月21日，最新发布的贷款市场报价利率（LPR）显示，1年期和5年期以上LPR双双下降25个基点。 This marks the largest rate cut in 2024, bringing the 1-year LPR to 3.1% and the over-5-year LPR to 3.6%.此次降幅为2024年以来最大的一次调整，1年期LPR降至3.1%，5年期以上降至3.6%。 The rate cuts reflect the central bank's effort to guide policy rates downward.此次下调反映了央行引导政策利率同步下降的趋势。 Market experts believe this move aims to stimulate economic growth by lowering financing costs.市场专家认为，此举旨在通过降低融资成本来刺激经济增长。 In the future, the space for further monetary easing tools may be limited, but the current rate cut significantly eases financing pressures.未来，价格工具的空间可能有限，但当前的降幅已显著缓解了融资压力。 This is the third adjustment to the LPR this year, with previous changes in February and July.这是年内LPR第三次调整，前两次分别在2月和7月。