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China Interest Rate

Last Release
Oct 20, 2025
Actual
3
Units In
%
Previous
3
Frequency
Daily
Next Release
N/A
Time to Release
N/A
Highest
Lowest
Average
Date Range
Source
5.77
Apr 2014
3
May 2025
4.28 %2013-2025People's Bank of China
The People’s Bank of China (PBOC) on August 17th, 2019, designated the Loan Prime Rate (LPR) the new lending benchmark for new bank loans to households and businesses, replacing the central bank’s benchmark one-year lending rate. The rate is based on a weighted average of lending rates from 18 commercial banks, which will submit their LPR quotations, based on what they have bid for PBOC liquidity in open market operations, to the national interbank funding center before 9am CST on the 20th of every month.

Latest Updates

The People’s Bank of China (PBoC) kept key lending rates at record lows for a fifth consecutive month in October, in line with market expectations. The move followed its decision to leave the seven-day reverse repo rate unchanged last week—now serving as the main policy rate—amid the U.S. Federal Reserve’s return to monetary easing in September and ongoing Sino-US trade tensions. The one-year Loan Prime Rate (LPR), the benchmark for most corporate and household borrowing, remained at 3.0%, while the five-year LPR, which anchors mortgage rates, held at 3.5%. Both rates were last lowered by 10 basis points in May. The decision came ahead of a raft of key economic data releases, including third-quarter GDP, industrial production, and retail sales. Meanwhile, new yuan loans rose sharply in September 2025, more than doubling August’s figure, supported by seasonal factors that typically boost lending during the month.

China Interest Rate History

Last 12 readings

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