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Central bank officials said that the loan prime rate reform, which started in August 2019, has eliminated the banks' invisible floor of lending rates, which in this case is 90 percent of the one-year bench mark lending rate. The LPR has also helped in the liberalization of deposit rates, as banks have adjusted the lower deposit rates to match the falling lending rates, they said.
Chen Chao, director of PwC China transaction services, said there were two main reasons for the decrease.

Carrie Lam Cheng Yuet-ngor, chief executive of the Hong Kong SAR, meets teenagers in July last year. [PARKER ZHENG/CHINA DAILY]
Carreras said: "I know all CPC congresses are historic, but this could be the most important. Xi Jinping and the CPC have a very clear idea of what China wants to achieve and how to do it."
Cash flow is another problem. The automaker has not realized annual profit in the past 14 years. As its expansion in the US continues, its new China plant will bring large financial pressure to the company.
来源:资阳报