四川省農(nóng)村信用社聯(lián)合社關(guān)于存量浮動(dòng)利率貸款定價(jià)基準(zhǔn)轉(zhuǎn)換為貸款市場報(bào)價(jià)利率（LPR）的公告
2020-03-01 17:02:17
來源：
作者： 點(diǎn)擊數(shù)：
尊敬的客戶：
根據(jù)中國人民銀行〔2019〕第30號(hào)公告要求，現(xiàn)就四川農(nóng)信存量浮動(dòng)利率貸款的定價(jià)基準(zhǔn)轉(zhuǎn)換為貸款市場報(bào)價(jià)利率（LPR）有關(guān)事宜公告如下：
一、本公告所稱存量浮動(dòng)利率貸款，是指2020年1月1日前四川農(nóng)信轄內(nèi)所有機(jī)構(gòu)網(wǎng)點(diǎn)已發(fā)放的和已簽訂合同但未發(fā)放的參考貸款基準(zhǔn)利率定價(jià)的浮動(dòng)利率貸款（不包括公積金個(gè)人住房貸款）。
二、自即日起，四川農(nóng)信存量浮動(dòng)利率貸款客戶，可通過貸款發(fā)放網(wǎng)點(diǎn)柜面辦理原合同約定的利率定價(jià)方式轉(zhuǎn)換為以LPR為定價(jià)基準(zhǔn)業(yè)務(wù)。個(gè)人客戶（通過身份認(rèn)證的客戶）從4月1日起也可通過四川農(nóng)信手機(jī)銀行自助辦理存量浮動(dòng)利率貸款的定價(jià)基準(zhǔn)轉(zhuǎn)換業(yè)務(wù)。
三、存量浮動(dòng)利率貸款定價(jià)基準(zhǔn)轉(zhuǎn)換為LPR為定價(jià)基準(zhǔn)加點(diǎn)形成（加點(diǎn)可為負(fù)值），加點(diǎn)數(shù)值在合同剩余期限內(nèi)固定不變；轉(zhuǎn)換后利率水平等于原合同最近的執(zhí)行利率水平。也可協(xié)商轉(zhuǎn)換為固定利率。借款人只有一次選擇權(quán)，轉(zhuǎn)換之后不能再次轉(zhuǎn)換。
四、存量商業(yè)性個(gè)人住房貸款的加點(diǎn)數(shù)值應(yīng)等于原合同最近的執(zhí)行利率水平與2019年12月發(fā)布的相應(yīng)期限LPR的差值。從轉(zhuǎn)換時(shí)點(diǎn)至此后的第一個(gè)重定價(jià)日（不含），執(zhí)行的利率水平應(yīng)等于原合同最近的執(zhí)行利率水平，即2019年12月相應(yīng)期限LPR與該加點(diǎn)數(shù)值之和。之后，自第一個(gè)重定價(jià)日起，在每個(gè)利率重定價(jià)日，利率水平由最近一個(gè)月相應(yīng)期限LPR與該加點(diǎn)數(shù)值重新計(jì)算確定。
五、重定價(jià)周期和重定價(jià)日參照原合同約定，其中商業(yè)性個(gè)人住房貸款重定價(jià)周期最短為一年。
六、LPR可以在全國銀行間同業(yè)拆借中心、中國人民銀行官網(wǎng)(www.pbc.gov.cn)、四川農(nóng)信官網(wǎng)(www.malnuma.com)、四川農(nóng)信官微和四川農(nóng)信營業(yè)網(wǎng)點(diǎn)均可查詢。
七、如您對(duì)轉(zhuǎn)換有不清楚或是有疑問的，可以咨詢您的客戶經(jīng)理或到營業(yè)網(wǎng)點(diǎn)進(jìn)行咨詢，或者撥打24小時(shí)咨詢電話96633（省內(nèi)）028-96633（省外）。
感謝您的配合。
四川省農(nóng)村信用社聯(lián)合社
2020年3月1日
責(zé)任編輯：FreeMarker template error:
get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvst840_6. See cause exception.
The failing instruction (FTL stack trace):
----------
==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50]
----------
Java stack trace (for programmers):
----------
freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...]
at freemarker.ext.beans.BeanModel.get(BeanModel.java:222)
at freemarker.core.Dot._eval(Dot.java:76)
at freemarker.core.Expression.eval(Expression.java:111)
at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116)
at freemarker.core.Expression.eval(Expression.java:111)
at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115)
at freemarker.core.DollarVariable.accept(DollarVariable.java:76)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.MixedContent.accept(MixedContent.java:93)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:286)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.MixedContent.accept(MixedContent.java:93)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.Environment.process(Environment.java:243)
at freemarker.template.Template.process(Template.java:277)
at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511)
at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58)
at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke()
at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204)
at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700)
at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150)
at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96)
at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260)
at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94)
at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172)
at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633)
at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$84b90e83.content()
at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365)
at sun.reflect.GeneratedMethodAccessor6137.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:498)
at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176)
at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440)
at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428)
at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919)
at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851)
at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953)
at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:656)
at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:737)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193)
at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92)
at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50)
at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41)
at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540)
at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136)
at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77)
at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83)
at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349)
at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594)
at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61)
at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802)
at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627)
at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45)
at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149)
at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624)
at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57)
at java.lang.Thread.run(Thread.java:748)
Caused by: java.lang.reflect.InvocationTargetException
at sun.reflect.GeneratedMethodAccessor6174.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:498)
at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912)
at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275)
at freemarker.ext.beans.BeanModel.get(BeanModel.java:182)
... 75 more
Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#367]
at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435)
at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189)
at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:182)
at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215)
at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190)
at com.ieccms.cms.entity.main.CmsUser_$$_jvst840_6.getRealname(CmsUser_$$_jvst840_6.java)
... 81 more
