The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Graph and download economic data for Interest Rates, Discount Rate for China from Mar 1990 to Apr 2025 about China, interest rate, interest, and rate.

Lending Rate in China remained unchanged at 4.35 percent in October from 4.35 percent in September of 2022. This dataset provides - China Prime Lending Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Key information about China Long Term Interest Rate

• China Treasury Bond Yield: Interbank: Spot Yield: 10 year was reported at 1.73 % pa in Feb 2025, compared with 1.64 % pa in the previous month.
• China Long Term Interest Rate data is updated monthly, available from Jul 2008 to Feb 2025.
• The data reached an all-time high of 4.63 % pa in Dec 2013 and a record low of 1.64 % pa in Jan 2025.
• Long Term Interest Rate is reported by reported by National Interbank Funding Center.

• In the latest reports, China Short Term Interest Rate: Month End: SHIBOR: 3 Months was reported at 1.92 % pa in Feb 2025.
• The cash rate (Policy Rate: Month End: China: Rediscount Rate) was set at 2.65 % pa in Jun 2023.
• China Exchange Rate against USD averaged 7.16 (USD/RMB) in Jun 2023.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for China (IRSTCI01CNM156N) from Mar 1990 to Apr 2025 about interbank, overnight, China, interest rate, interest, and rate.

In April 2025, the weighted average interest rate of interbank lending in China was **** percent. Banks not only lend out money to individuals and to business but also to one another. It allows them to stock surplus liquidity or to cover a short-term lack of liquidity.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for China (IR3TIB01CNM156N) from Jun 1997 to Apr 2025 about interbank, 3-month, China, yield, interest rate, interest, and rate.

Deposit Interest Rate in China remained unchanged at 0.35 percent in July. This dataset includes a chart with historical data for Deposit Interest Rate in China.

China Central Bank Benchmark Interest Rate: Loan to FI: 1 Year data was reported at 3.500 % pa in 18 May 2025. This stayed constant from the previous number of 3.500 % pa for 17 May 2025. China Central Bank Benchmark Interest Rate: Loan to FI: 1 Year data is updated daily, averaging 3.500 % pa from Jan 1987 (Median) to 18 May 2025, with 14018 observations. The data reached an all-time high of 3.850 % pa in 23 Oct 2015 and a record low of 3.500 % pa in 18 May 2025. China Central Bank Benchmark Interest Rate: Loan to FI: 1 Year data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under High Frequency Database’s Lending Rates – Table CN.MA: Rediscount and Lending Rate.

In 2024, the lending rate in China was **** percent. The lending rates described the interest rate borrowers have to pay. In China, the interest on borrowings had been decreasing since 2010. At that time, the lending rate was *** percent.

Key information about China Bank Lending Rate

• China Bank Lending Rate was reported at 3.100 % pa in Mar 2025.
• This stayed constant from the previous number of 3.100 % pa for Mar 2025.
• China Bank Lending Rate data is updated daily, averaging 3.700 % pa from Aug 2019 to 19 Mar 2025, with 2039 observations.
• The data reached an all-time high of 4.250 % pa in 19 Sep 2019 and a record low of 3.100 % pa in 19 Mar 2025.
• China Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Daily.

Lending interest rate (%) in China was reported at 4.35 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. China - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

In 2022, the average deposit interest rate of state commercial banks in China was **** percent which was slightly higher than the previous year. After a short period of low deposit interest rates from 2016 to 2018, the interest rates for bank deposits had increased by 2019.

In 2023, the deposit interest rate in China did not change in comparison to the previous year. The deposit interest rate remained at *** percent. Deposit rate refers to the amount of money paid out in interest in a bank or financial institution on cash deposits.Find more statistics on other topics about China with key insights such as total value of stocks traded.

As of mid-November 2020, the average interest rate for a personal housing loan in Chengdu was 5.93 percent which was the highest interest rate in the country. Compared to that, the lowest interest rate was in Shanghai with 4.69 percent. On a national average, the interest rate was 5.24 percent for purchasing a first house and 5.54 for purchasing a second one.

China Lending Rate: Weighted Average: Individual Housing Loan data was reported at 3.090 % pa in Dec 2024. This records a decrease from the previous number of 3.310 % pa for Sep 2024. China Lending Rate: Weighted Average: Individual Housing Loan data is updated quarterly, averaging 5.395 % pa from Mar 2009 (Median) to Dec 2024, with 64 observations. The data reached an all-time high of 7.620 % pa in Dec 2011 and a record low of 3.090 % pa in Dec 2024. China Lending Rate: Weighted Average: Individual Housing Loan data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Rediscount and Lending Rate.

Real interest rate (%) in China was reported at 5.0932 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. China - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

China Central Bank Benchmark Interest Rate: Reserve Requirement: Excess data was reported at 0.350 % pa in Apr 2025. This stayed constant from the previous number of 0.350 % pa for Mar 2025. China Central Bank Benchmark Interest Rate: Reserve Requirement: Excess data is updated monthly, averaging 0.990 % pa from Jan 1987 (Median) to Apr 2025, with 460 observations. The data reached an all-time high of 9.180 % pa in Apr 1996 and a record low of 0.350 % pa in Apr 2025. China Central Bank Benchmark Interest Rate: Reserve Requirement: Excess data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Required Reserve Ratio .

China: Real interest rate: Bank lending rate minus inflation: The latest value from 2023 is 4.96 percent, an increase from 2.48 percent in 2022. In comparison, the world average is 4.42 percent, based on data from 87 countries. Historically, the average for China from 1980 to 2023 is 2.09 percent. The minimum value, -7.99 percent, was reached in 1994 while the maximum of 7.36 percent was recorded in 1998.

Long-term interest rate in China, February, 2025 The most recent value is 1.72 percent as of February 2025, an increase compared to the previous value of 1.63 percent. Historically, the average for China from January 2014 to February 2025 is 3.09 percent. The minimum of 1.63 percent was recorded in January 2025, while the maximum of 4.5 percent was reached in January 2014. | TheGlobalEconomy.com