Lending interest rate in China
China: Lending interest rate was 4.3% in 2024. ▼ Falling
Lending interest rate in China, 1980–2024
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in %.
Analysis
In 2024, lending interest rate in China stood at 4.3%. That is the lowest value across all 45 years on record.
Compared with earlier readings it is down 22.3% over ten years.
Over the whole period, lending interest rate in China peaked at 12.1% in 1995 and was at its lowest, 4.3%, in 2015.
That places China 133rd out of 148 countries with data for 2024, putting it in the bottom quarter.
The long-run direction has been consistently falling across the 45 years of available data.
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 7.6% | 5.0% | 11.3% | 10 |
| 1990s | 9.2% | 5.8% | 12.1% | 10 |
| 2000s | 5.8% | 5.3% | 7.5% | 10 |
| 2010s | 5.2% | 4.3% | 6.6% | 10 |
| 2020s | 4.3% | 4.3% | 4.3% | 5 |
Countries ranked near China
More financial sector data for China
- Net migration -268,126 (2025)
- Total reserves in months of imports 11.94 (2025)
- Net domestic credit 353.25 trillion current LCU (2024)
- Domestic credit to private sector by banks 194.3% (2024)
- Net foreign assets 30.27 trillion current LCU (2024)
- Claims on central government, etc. 46.0% (2024)
- Monetary Sector credit to private sector 194.3% (2024)
- Domestic credit to private sector 194.3% (2024)
- Broad money 227.7% (2024)
- Official exchange rate 7.19 LCU per US$, period average (2025)
Frequently asked questions
- What is lending interest rate in China?
- Lending interest rate in China was 4.3% in 2024, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest lending interest rate recorded in China?
- The highest recorded value was 12.1% in 1995.
- What is the lowest lending interest rate recorded in China?
- The lowest recorded value was 4.3% in 2015.
- How does China rank for lending interest rate?
- China ranks 133rd out of 148 countries with data for 2024.
- Is lending interest rate rising or falling in China?
- Over the last ten years it is down 22.3%. The long-run trend across the full record is falling.
- Where does this China data come from?
- The figures come from International Financial Statistics database, International Monetary Fund (IMF), published as part of Lending interest rate (%). Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 45 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.