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马来西亚银行基准利率2020年更新 | BNM官方发布

来源：BNM · BNM Malaysia生效日期：2020-08-06

作者：东南亚合规中心编辑团队

TL;DR · 核心要点

本文件为马来西亚国家银行（BNM）于2020年8月6日发布的商业银行基准利率（BR）、基准贷款利率（BLR）及指示性有效贷款利率（Effective LR）官方数据。该利率体系直接影响企业与个人贷款定价、融资成本及信贷可得性。关键合规信息包括：所有持牌商业银行须按BNM指引披露并执行BR/BLR；伊斯兰银行适用独立利率框架，部分未列BLR值（标注为“%”），反映其遵循Sharia原则的利润分享模式；BNM不强制统一利率，但要求透明披露并禁止误导性宣传。对企业的实际影响体现在：跨境融资需比对不同银行有效LR以优化成本；本地贷款合同须明确引用适用利率类型（BR或BLR）；中小企业申请贷款时应主动索要银行最新Effective LR报价，并纳入财务建模。

✅ 合规行动清单 · Compliance Checklist

  • ›核对贵司现有马来西亚贷款合同中引用的利率类型（BR/BLR/Effective LR），确保与BNM 2020-08-06公布值一致，2020年第三季度内完成内部审计
  • ›向合作银行索取最新Effective LR书面确认函，用于跨境融资尽职调查及财务模型更新，2020年9月底前归档
  • ›若开展伊斯兰银行业务合作，确认对方是否持有BNM颁发的Islamic Banking License，并验证其BR与Effective LR匹配性
  • ›Review all active loan agreements in Malaysia to verify alignment with BNM’s published BR/BLR/Effective LR as of 2020-08-06; complete internal audit by Q3 2020.
  • ›Obtain written confirmation of the latest Effective LR from your Malaysian banking partner for use in cross-border financing due diligence and financial modeling; file by 30 September 2020.
  • ›For Islamic banking engagements, validate that the bank holds a valid BNM Islamic Banking License and confirm BR–Effective LR consistency per its public disclosure.

English Summary

This BNM publication (updated 2020-08-06) lists official Base Rate (BR), Base Lending Rate (BLR), and indicative Effective Lending Rate (Effective LR) for all licensed Malaysian banks and Islamic banks. While not a binding regulation per se, these rates are mandatory reference points under BNM’s Financial Institutions Act 1989 and Guidelines on Fair Treatment of Customers. All licensed banks must disclose these rates transparently and apply them consistently in loan pricing. Islamic banks use profit-sharing models; missing BLR values reflect Sharia-compliant structures. Foreign businesses operating in Malaysia must use the published Effective LR — not BR or BLR alone — to assess true borrowing costs. No implementation deadline applies, as rates are updated periodically by BNM. However, loan agreements signed post-publication must align with the latest disclosed rates. Non-compliance may trigger BNM supervisory action under Section 37 of the Central Bank of Malaysia Act 2009.

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常见问题解答

这些利率是强制执行的吗？企业必须按此放贷或借款吗？+
BNM公布的BR和BLR本身不是法定强制利率，但所有持牌银行必须在其贷款产品中透明引用并一致应用；Effective LR是银行实际执行的加权平均利率，具有实质性约束力。企业借款时有权要求银行提供基于最新Effective LR的书面报价，该报价构成贷款合同定价基础。
为什么有些伊斯兰银行的BLR显示为‘%’？是否合规？+
符合规定。伊斯兰银行依Sharia原则采用利润分享（Murabahah/Ijara）等结构，不设传统利息型BLR，因此BNM允许其BLR栏留空或标‘%’。其BR与Effective LR仍需真实披露，且Effective LR必须经BNM审核备案。
外资企业在马来西亚申请贷款，应优先参考哪个利率？+
应以‘Effective Lending Rate’（有效贷款利率）为准，而非BR或BLR。因Effective LR已含费用、期限、信用评级等实际因素，能真实反映融资成本。BNM明确要求银行向客户清晰披露此数值。
这些利率多久更新一次？如何及时获知变动？+
BNM无固定更新周期，通常在货币政策调整、OIS变动或重大经济事件后发布。企业可通过BNM官网‘Statistics & Publications’栏目订阅邮件通知，或关注每月《Monetary Policy Statement》附录。
如果发现某银行公布的Effective LR明显偏离同业，能否投诉？+
可以。企业应先向该银行合规部书面质询；若未获合理解释，可向BNM消费者金融保护局（CFPB）提交投诉（online.bnmbanking.gov.my），BNM将在30个工作日内启动核查。

相关关键词

Malaysia bank base rateBNM interest ratesMalaysian loan pricingbanking compliance Malaysiaeffective lending rate
📄 官方原文参考（英文）点击展开
Current base rates, base lending rates and indicative effective lending rates for Malaysian banks as published by Bank Negara Malaysia. These rates affect loan pricing for businesses and individuals. Affin Bank: BR 2.7%, BLR 5.56%, Effective LR 3.3% Alliance Bank: BR 2.57%, BLR 5.42%, Effective LR 3.11% AmBank: BR 2.6%, BLR 5.45%, Effective LR 3.25% Bangkok Bank Berhad: BR 3.22%, BLR 5.87%, Effective LR 4.42% Bank of China (Malaysia) Berhad: BR 2.55%, BLR 5.35%, Effective LR 3.55% CIMB Bank Berhad: BR 2.75%, BLR 5.6%, Effective LR 3.5% Citibank Berhad: BR 2.4%, BLR 5.55%, Effective LR 3.2% Hong Leong Bank Malaysia Berhad: BR 2.63%, BLR 5.64%, Effective LR 3.5% HSBC Bank Malaysia Berhad: BR 2.39%, BLR 5.49%, Effective LR 3.5% Industrial and Commercial Bank of China (Malaysia) Berhad: BR 2.52%, BLR 5.45%, Effective LR 3.47% Malayan Banking Berhad: BR 1.75%, BLR 5.4%, Effective LR 3.25% OCBC Bank (Malaysia) Berhad: BR 2.58%, BLR 5.51%, Effective LR 3.45% Public Bank Berhad: BR 2.27%, BLR 5.47%, Effective LR 3.1% RHB Bank Berhad: BR 2.5%, BLR 5.45%, Effective LR 3.5% Standard Chartered Bank Malaysia Berhad: BR 2.27%, BLR 5.45%, Effective LR 3.5% United Overseas Bank (Malaysia) Bhd.: BR 2.61%, BLR 5.57%, Effective LR 3.36% Affin Islamic Bank Berhad: BR 2.7%, BLR %, Effective LR 3.3% Al Rajhi Banking & Investment Corporation (Malaysia) Berhad: BR 2.85%, BLR %, Effective LR 4.2% Alliance Islamic Bank Berhad: BR 2.57%, BLR %, Effective LR 3.11% AmBank Islamic Berhad: BR 2.6%, BLR %, Effective LR 3.25%
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