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The People’s Bank of China (PBoC) retained its key lending rates at the November fixing, in line with market estimates. The one-year loan prime rate (LPR), the benchmark for most corporate and household loans, was maintained at 3.1%. Meanwhile, the five-year rate, a reference for property mortgages, was held at 3.6%. Both rates remain at record lows following rate reductions in October and July. The latest decision reflected the PBoC's ongoing assessment of existing stimulus measures. Since late September, Beijing has ramped up efforts to reverse an economic slowdown and achieve the 2024 growth target of around 5%, despite prolonged property sector weakness, low consumer and business confidence, and persistent deflation risks. The central bank is expected to launch more policy-easing measures in the coming months. In October, Governor Pan Gongsheng said the central bank might reduce the reserve requirement ratio by another 25 to 50bps by year-end, contingent on liquidity conditions.