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China's 1-Year LPR Remains Flat at 3.0% in May 2026, Unchanged for 12 Consecutive Months

2026-06-01

In May 2026, China's 1-year Loan Prime Rate (LPR) remained flat at 3.0%, perfectly consistent with the previous value and in line with consensus market expectations. Since the interest rate cut last year, this indicator has been kept unchanged for 12 consecutive months, reflecting that current liquidity conditions and the monetary policy framework are in a stable period.

Looking at the key details, not only did the 1-year LPR remain at 3.0%, but the over-5-year LPR, which serves as the mortgage benchmark, also remained concurrently flat at 3.5%. This indicates that whether for short-term corporate financing or long-term household mortgages, the loan pricing benchmarks have not changed, and the overall yield curve remains stable.

Exploring the main reasons for the LPR remaining unchanged, Cailian Press and market analyses point out that the net interest margin (NIM) of commercial banks has dropped to a historic low of 1.40%, lacking room to proactively compress the spread additions. At the same time, the reverse repo rate, which serves as the pricing basis, was not adjusted, and the PBOC recently downplayed expressions of broad "RRR and interest rate cuts" in its monetary policy report, indicating that policy is shifting toward "precise and effective" structural fine-tuning.

Looking ahead, in the short term of 1 to 2 months, the LPR is expected to maintain its current level, and the PBOC will rely more on tools such as the MLF for liquidity management. Over the medium term of 3 to 6 months, attention should be paid to the sustainability of the domestic economic recovery and the imported inflation risks brought by the external Middle East situation. If economic momentum slows down again in the second half of the year, there is still operational room at the policy level for further interest rate cuts or RRR cuts.

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