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People's Bank of China Unveils Draft Rules on Yuan Lending-Deposit Rates on June 5

2026-06-05 09:39:44

According to Jin10 Data, the People's Bank of China unveiled a draft of amended rules on yuan lending-deposit rate management on June 5. The revisions modify penalty interest rate calculations, allowing penalty rates, calculation methods, and grace periods to be negotiated between lenders and borrowers, replacing the previous fixed surcharge framework of 30%-50% or 50%-100%. The draft also introduces a formal definition of improper high-yield deposit solicitation, including unauthorized manual interest supplements and interest rates exceeding the industry pricing self-discipline mechanism cap, which the central bank said distorts deposit market competition.

Disclaimer: The information on this page may come from third-party sources and is for reference only. It does not represent the views or opinions of Gate and does not constitute any financial, investment, or legal advice. Virtual asset trading involves high risk. Please do not rely solely on the information on this page when making decisions. For details, see the Disclaimer.

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