China Deposits and Credit
Total loan balances and deposit balances across China's credit institution system in renminbi plus converted foreign currencies, broken down by short-term loans, medium- and long-term loans, and commercial bill discounting, as well as corporate deposits and household savings (time and demand).
| Indicator | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | 10-2025 | 09-2025 | 08-2025 | 07-2025 | 06-2025 | 05-2025 | 04-2025 | 03-2025 | 02-2025 | 01-2025 | 12-2024 | 11-2024 | 10-2024 | 09-2024 | 08-2024 | 07-2024 | 06-2024 | 05-2024 | 04-2024 | 03-2024 | 02-2024 | 01-2024 | 12-2023 | 11-2023 | 10-2023 | 09-2023 | 08-2023 | 07-2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Funds3 | 403,997.85 | 403,203.34 | 401,879.19 | 400,463.32 | 399,639.78 | 395,775.91 | 393,637.63 | 386,639.45 | 385,289.21 | 383,410.39 | 382,463.16 | 380,209.44 | 378,174.44 | 376,540.12 | 373,363.36 | 371,279.55 | 370,085.01 | 365,672.55 | 364,001.72 | 357,766.75 | 355,362.16 | 353,708.4 | 351,943.94 | 349,478.58 | 346,971.42 | 346,533.57 | 344,298.32 | 342,335 | 341,321.42 | 337,447.6 | 335,401.84 | 329,817.13 | 328,235.03 | 326,786.44 | 325,014.47 | 322,358.88 | 320,225.22 | |
| Total Deposits | 354,490.26 | 354,327.78 | 352,384.82 | 350,566.8 | 350,228.05 | 345,716.95 | 344,461.08 | 336,138.33 | 334,463.63 | 332,917.46 | 332,177.54 | 329,959.41 | 327,832.39 | 327,464.08 | 324,076.39 | 321,679.98 | 322,112.66 | 317,659.35 | 312,949.39 | 308,384.88 | 309,584.14 | 307,437.05 | 306,832.06 | 303,210.22 | 300,875.24 | 301,679.05 | 299,176.54 | 297,449.03 | 301,412.41 | 296,579.93 | 295,619.99 | 289,913.22 | 289,808.21 | 287,278.35 | 286,596.3 | 284,473.26 | 283,359.36 | |
| Liabilities to International Financial Institutions | 0.57 | 0.56 | 0.56 | 0.56 | 0.5 | 0.5 | 0.5 | 0.5 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | 0.51 | |
| Other Funds | 34,314.71 | 33,533.84 | 34,147.03 | 34,461.01 | 33,854.36 | 34,558.47 | 33,623.8 | 34,752.1 | 35,268.66 | 34,964.98 | 34,857.38 | 34,722.76 | 34,798.04 | 33,330.25 | 33,994.87 | 34,285.73 | 32,799.8 | 32,981.2 | 35,890.99 | 34,066.5 | 30,377.16 | 31,063.9 | 29,726.95 | 31,048.93 | 30,722.81 | 29,761.01 | 30,444.23 | 30,412.24 | 25,768.66 | 26,584.47 | 25,590.38 | 25,885.63 | 24,819.57 | 26,100.72 | 24,938.71 | 24,286.06 | 23,302 | |
| Total Uses of Funds2 | 403,997.85 | 403,203.34 | 401,879.19 | 400,463.32 | 399,639.78 | 395,775.91 | 393,637.63 | 386,639.45 | 385,289.21 | 383,410.39 | 382,463.16 | 380,209.44 | 378,174.44 | 376,540.12 | 373,363.36 | 371,279.55 | 370,085.01 | 365,672.55 | 364,001.72 | 357,766.75 | 355,362.16 | 353,708.4 | 351,943.94 | 349,478.58 | 346,971.42 | 346,533.57 | 344,298.32 | 342,335 | 341,321.42 | 337,447.6 | 335,401.84 | 329,817.13 | 328,235.03 | 326,786.44 | 325,014.47 | 322,358.88 | 320,225.22 | |
| Total Outstanding Loans | 286,070.4 | 286,429.54 | 284,792.53 | 284,286.56 | 284,512.03 | 281,520.33 | 280,590.34 | 275,743.46 | 274,843.64 | 274,537.51 | 274,329.69 | 273,017.43 | 272,483.62 | 272,574.03 | 270,196.66 | 269,539.04 | 269,258.72 | 265,598.62 | 264,603.26 | 259,575.02 | 258,646.69 | 258,175.95 | 257,713.91 | 256,241.53 | 255,427.77 | 255,322.63 | 253,306.75 | 252,406.91 | 251,805.4 | 248,667.08 | 247,248.24 | 242,239.57 | 241,171.75 | 240,198.61 | 239,515.68 | 237,228.26 | 235,924.49 | |
| Assets with International Financial Institutions | 469.95 | 467.65 | 470.87 | 474.42 | 473.91 | 477.01 | 485.7 | 485.3 | 487.03 | 488.93 | 494.43 | 494.75 | 491.33 | 498.44 | 490.07 | 493.28 | 475.68 | 471.34 | 472.39 | 468.37 | 465.71 | 463.03 | 464.22 | 464.61 | 471.31 | 466.79 | 465.33 | 462.84 | 462.8 | 459.62 | 459.16 | 457.76 | 453.59 | 458.66 | 456.38 | 461.62 | 441.71 | |
| Monthly Deposit Growth | 162.47 | 1,942.97 | 1,818.02 | 338.74 | 4,511.11 | 1,255.86 | 8,322.75 | 1,674.71 | 1,546.17 | 739.92 | 2,218.13 | 2,127.02 | 368.32 | 3,387.69 | 2,396.41 | -432.68 | 4,453.31 | 4,709.97 | 4,564.51 | -1,199.27 | 2,147.09 | 604.99 | 3,621.84 | 2,334.98 | -803.82 | 2,502.52 | 1,727.5 | -3,963.38 | 4,832.48 | 959.94 | 5,706.77 | 105.01 | 2,529.86 | 682.05 | 2,123.04 | 1,113.9 | -1,311.63 | |
| Monthly Credit Growth | -589.6 | 1,765 | 496.5 | -400.6 | 3,152.2 | 845.8 | 4,901.6 | 980.4 | 409.6 | -15.4 | 1,608.1 | 625.3 | -429.6 | 2,360 | 592.3 | 88.4 | 3,823.4 | 652.8 | 5,219.4 | 840.2 | 521.6 | 296.5 | 1,974.2 | 1,041.1 | -80.8 | 2,192.7 | 819.7 | 334.9 | 3,292 | 977.3 | 4,840.1 | 1,109.2 | 1,112 | 483.7 | 2,536.9 | 1,341.2 | 36.4 | |
| Year-to-Date Credit Growth | 10,170.9 | 10,760.5 | 8,995.5 | 8,499 | 8,899.6 | 5,747.4 | 4,901.6 | 15,914.7 | 14,934.3 | 14,524.7 | 14,540.1 | 12,932 | 12,306.7 | 12,736.3 | 10,376.3 | 9,784 | 9,695.6 | 5,872.2 | 5,219.4 | 17,049.5 | 16,209.3 | 15,687.7 | 15,391.2 | 13,417 | 12,375.9 | 12,456.7 | 10,264 | 9,444.3 | 9,109.4 | 5,817.4 | 4,840.1 | 22,224.2 | 21,115 | 20,003 | 19,519.3 | 16,982.4 | 15,641.2 |
Latest reading
Total Outstanding Loans stood at 286,070.4 CNY billion in Jul 2026. That is −0.1% from Jun 2026 and +5.0% from a year earlier. The series on this page is monthly and runs from Jan 2003 to Jul 2026. Source: People's Bank of China (PBOC).
- Latest
- 286,070.4 CNY billion
- Jul 2026
- vs previous period
- −0.1%
- Jun 2026
- vs a year earlier
- +5.0%
About this data
Total loan balances and deposit balances across China's credit institution system in renminbi plus converted foreign currencies, broken down by short-term loans, medium- and long-term loans, and commercial bill discounting, as well as corporate deposits and household savings (time and demand). The final three rows show monthly flows—incremental renminbi deposits and credit—which are closely monitored indicators reflecting the actual degree of monetary policy easing, whereas the upper section measures the cumulative scale of the entire system. The renminbi-only table, which provides much greater detail by separating household lending from corporate lending, can be found in the Sources and Uses of Funds table.
