摩根大通银行（中国）有限公司关于对公客户存量浮动利率贷款的定价基准转换为贷款市场报价利率（LPR）的公告

Commercial Banking

From startups to legacy brands, you're making your mark. We're here to help.

Innovation Economy
Fueling the success of early-stage startups, venture-backed and high-growth companies.
Midsize Businesses
Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
Large Corporations
Innovative banking solutions tailored to corporations and specialized industries.
Commercial Real Estate
Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
Community Impact Banking
When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
International Banking
Power your business' global growth and operations at every stage.

Key Links

Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment.

Asset Based Lending
Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
Equipment Financing
Maximize working capital with flexible equipment and technology financing.
Trade & Working Capital
Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
Syndicated Financing
Leverage customized loan syndication services from a dedicated resource.
Commercial Real Estate
Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
Employee Stock Ownership Plans
Plan for your business’s future—and your employees’ futures too—with objective advice and financing.

Key Links

Institutional Investing

Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

Institutional Investors
We put our long-tenured investment teams on the line to earn the trust of institutional investors.
Markets
Direct access to market leading liquidity harnessed through world-class research, tools, data and analytics.
Prime Services
Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.
Global Research
Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.
Securities Services
Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.

Key Links

Investment Banking

Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

Center for Carbon Transition
J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
Corporate Finance Advisory
Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
Development Finance Institution
Financing opportunities with anticipated development impact in emerging economies.
Sustainable Solutions
Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
Mergers and Acquisitions
Bespoke M&A solutions on a global scale.
Capital Markets
Holistic coverage across capital markets.

Key Links

Private Bank

A uniquely elevated private banking experience shaped around you.

Banking
We have extensive personal and business banking resources that are fine-tuned to your specific needs.
Investing
We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
Lending
We take a strategic approach to lending, working with you to craft the fight financing solutions matched to your goals.
Planning
No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.

Wealth Management

Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.

Invest on your own
Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
Work with our advisors
When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
Expertise for Substantial Wealth
Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.

Key Links

About Us

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

Key Links

尊敬的客户,

为深化利率市场化改革，进一步推动贷款市场报价利率（LPR）运用，根据中国人民银行公告[2019]第30号要求，我行近期拟对存量浮动利率贷款开展定价基准利率转换工作，现将有关具体事项公告如下：

一、转换范围

2020年1月1日前我行已发放的和已签订合同但未发放的参考贷款基准利率定价的浮动利率贷款。

二、转换时间

存量浮动利率贷款定价基准转换自2020年3月1日开始，原则上于2020年8月31日前完成。

三、转换规则

您可将原合同约定的利率定价方式转换为以LPR为定价基准加点形成（加点可为负值），加点数值在合同剩余期限内固定不变；也可转换为固定利率。定价基准只能转换一次，转换之后不能再次转换。已处于最后一个重定价周期的存量浮动利率贷款可不转换。

四、转换流程

我行客户经理会与您联系，商定具体转换事宜。

如您有任何疑问，请垂询您的客户经理。

特此公告。

摩根大通银行（中国）有限公司
二〇二〇年三月十一日