从2004年10月29日起,中国人民银行决定上调金融机构存贷款基准利率并放宽人民币贷款利率浮动区间和允许人民币存款利率下浮。金融机构一年期存款基准利率上调0.27个百分点,由现行的1.98％提高到2.25％:一年期贷款基准利率上调0.27个百分点.由现行的5.31％提高到5.58％。其他各档次存、贷款利率也相应调整,中长期利率的上调幅度大于短期。 From October 29, 2004, the People’s Bank of China decided to raise the benchmark deposit and lending rates of financial institutions and relax the floating range of RMB loan interest rates and allow RMB deposit interest rates to float downward. The benchmark one-year deposit rate for financial institutions was raised 0.27 percentage point from the current 1.98% to 2.25%: the benchmark one-year lending rate was raised 0.27 percentage point from the current 5.31% to 5.58%. All other grades of deposit and loan interest rates are adjusted accordingly, the rate of increase in long-term interest rates is greater than the short-term.