春节假期刚刚结束，市场迎来新年首次降息。根据中国央行最新消息，2月5年期以上贷款市场报价利率下降25个基点至3.95%，1年期维持不变。请看本报昨日的报道：

China’s benchmark lending rate dropped Tuesday as the country has strengthened monetary measures to give the economy a promising start in the first quarter of 2024.

The loan prime rate (LPR), a market-based benchmark lending rate, saw its over-five-year rate, on which lenders base their mortgage rates, come in at 3.95%, down from the previous reading of 4.2%, according to the National Interbank Funding Center. Meanwhile, the one-year LPR remained unchanged at 3.45%.

报道中的LPR (loan prime rate)即贷款市场报价利率，是指由各报价银行根据其对最优质客户执行的贷款利率，按照公开市场操作利率加点形成的方式报价，由中国人民银行授权全国银行间同业拆借中心计算得出并发布的利率。目前，LPR包括1年期和5年期以上两个期限品种。