China Financial System Funds and Uses

Name: China Financial System Funds and Uses
Creator: People's Bank of China (PBOC)
License: https://creativecommons.org/licenses/by/4.0/

Source: People's Bank of China (PBOC)Last updated: Aug 15, 2026, 07:31Curated by Bui Thanh PhucAbout this data ↓

Indicator	07-2026	06-2026	05-2026	04-2026	03-2026	02-2026	01-2026	12-2025	11-2025	09-2025	08-2025	07-2025	06-2025	05-2025	04-2025	03-2025	02-2025	01-2025	12-2024	11-2024	09-2024	08-2024	07-2024	06-2024	05-2024	04-2024	03-2024	02-2024	01-2024	12-2023	11-2023	09-2023	08-2023	07-2023	06-2023	05-2023	04-2023
TOTAL FUNDS5	418,187.42	417,471.4	416,009.69	414,565.92	413,486.8	409,717.11	407,475.58	400,845.41	399,563.13	397,083.84	394,985.38	393,039.29	391,442.75	388,430.78	386,491.52	385,359.57	381,117.44	397,808.73	373,352.32	370,932.06	367,663.12	365,098.06	362,534.77	361,992.68	359,681.85	357,687.33	356,616.57	352,766.13	369,341.2	345,055.36	343,302.98	339,687.48	336,957.47	334,781.31	333,738.78	330,545.27	328,786.81
Total deposits2	346,470.34	346,440.84	344,454.74	342,680.49	342,407.08	337,936.98	336,769.6	328,642.88	326,962.69	324,938.76	322,726.58	320,670.28	320,173.99	316,962.4	314,779.34	315,223.24	310,969.79	325,549.2	302,253.8	303,648.12	300,882.27	297,142.54	294,919.95	295,717.25	293,259.93	291,585.22	295,505.42	290,699.94	301,477.19	284,262.33	284,175.49	281,003.74	278,761.08	277,499.33	278,620.45	274,908.53	273,446.72
Domestic deposits5	344,427.37	344,387.94	342,504.79	340,699.97	340,444.41	336,075.67	334,944.66	326,773.57	325,085.74	322,967.48	320,805.5	318,744.03	318,310.4	315,141.49	312,906.96	313,267.37	308,869.95	323,628.95	300,400.18	301,820.09	299,082.9	295,109.1	292,825.04	293,685.53	291,167.31	289,523.05	293,501.25	288,713	299,764	282,409.26	282,167.86	279,045.34	276,963.91	275,733.8	276,838.13	273,119.62	271,744.17
Household deposits2	172,857.86	173,484.01	171,539.9	171,649.47	173,588.95	171,151.9	168,039.09	165,893.46	163,308.44	163,984.8	161,021.17	160,911.75	162,025.48	159,549.41	159,079.57	160,470.68	157,376.15	162,635.9	151,250.94	149,057.9	148,843.56	146,641.41	145,930.02	146,261.95	144,120.53	143,703.66	145,545.62	142,722.95	148,272.92	136,989.46	135,016.92	134,744.92	132,217.06	131,429.35	132,238.66	129,565.78	129,029.38
Demand	43,687.4	44,598.25	43,193.39	43,531.29	45,258.5	45,064.2	44,218.83	44,094.32	42,392.98	43,406.16	41,619.85	41,862.38	42,890.98	40,832.36	40,921.84	42,634.36	41,568.08	42,267.8	41,365.84	39,744.77	39,874.21	39,149.27	39,200.46	40,081.17	39,015.16	38,752.94	40,389	39,806.99	39,362.33	39,026.6	38,003.98	38,373.56	37,390.09	37,501.91	38,426.11	37,007.6	37,135.53
Time and other	129,170.46	128,885.75	128,346.51	128,118.19	128,330.45	126,087.7	123,820.27	121,799.14	120,915.47	120,578.64	119,401.32	119,049.37	119,134.5	118,717.05	118,157.73	117,836.32	115,808.08	120,368.1	109,885.1	109,313.12	108,969.36	107,492.15	106,729.56	106,180.78	105,105.37	104,950.72	105,156.62	102,915.96	108,910.59	97,962.86	97,012.94	96,371.37	94,826.97	93,927.44	93,812.55	92,558.18	91,893.85
Non-financial corporate deposits2	81,994.06	83,621.38	81,682.98	81,846.42	83,101	80,376.52	83,035.01	80,559.4	79,338.73	79,774.31	78,859.35	78,559.65	80,019.1	78,241.37	78,659.02	79,985.71	77,149.15	78,693.41	78,364.91	76,560.57	76,546.05	75,776.35	75,432.63	77,212.97	76,205.27	77,012.47	78,881.77	76,806.48	75,819.11	78,775.62	78,454.08	79,070.62	78,873.85	77,984.87	79,517.05	77,452.18	77,591.5
Demand	22,773.8	24,120.32	22,657.81	22,480.83	24,026.71	22,056.79	23,706.67	22,723.52	21,581.39	21,406.21	20,821.33	20,794.2	22,168.02	20,482.8	20,413.49	21,895.98	20,058.85	21,271.51	21,130.34	19,661.74	19,540.99	19,512.47	19,919.56	21,553.67	20,843.91	21,888.93	24,665.19	23,633.96	19,210.64	24,867.61	24,485.25	24,513.68	24,897.83	24,864.81	25,940.27	24,772.89	25,014.01
Time and other	59,220.26	59,501.06	59,025.17	59,365.59	59,074.29	58,319.72	59,328.34	57,835.88	57,757.34	58,368.1	58,038.02	57,765.45	57,851.09	57,758.57	58,245.53	58,089.73	57,090.3	57,421.9	57,234.58	56,898.83	57,005.06	56,263.88	55,513.07	55,659.31	55,361.37	55,123.54	54,216.58	53,172.52	56,608.47	53,908.01	53,968.82	54,556.94	53,976.02	53,120.06	53,576.78	52,679.29	52,577.49
Government and public organization deposits	40,651.02	40,449.78	40,526.38	40,304.23	40,054.93	39,296.49	39,668.18	39,436.89	39,845.88	39,219.87	39,031.41	38,742.02	38,647.91	38,400.1	38,285.7	37,868.74	37,227.23	39,731.53	37,016.6	37,588.78	37,086.34	36,752.77	36,714.11	36,855.88	36,494.31	36,373.75	36,413.41	35,609.53	37,380.16	35,326.1	35,925.07	35,573.19	35,334.5	35,040.16	35,123.8	34,765.49	34,346.17
State budget deposits	8,275.88	7,293.29	8,230.19	7,519.11	6,782.4	7,520.58	7,871.52	6,281.76	7,666.25	6,990.65	7,834.84	7,645.29	6,877.66	7,694.29	6,810.1	6,442.85	7,211.62	7,712.85	5,581.22	7,255.71	6,518.52	6,754.32	6,195.63	5,550.29	6,369.6	5,606.28	5,508.22	6,274.36	7,114.92	5,793.71	6,711.84	5,675.06	5,887.83	5,896.59	4,988.83	6,038.41	5,801.47
Non-bank financial institution deposits	40,648.56	39,539.48	40,525.34	39,380.73	36,917.13	37,730.18	36,330.86	34,602.06	34,926.44	32,997.86	34,058.74	32,885.33	30,740.25	31,256.32	30,072.58	28,499.4	29,905.79	34,855.26	28,186.52	31,357.13	30,088.44	29,184.26	28,552.65	27,804.43	27,977.61	26,826.9	27,152.24	27,299.69	31,176.89	25,524.37	26,059.96	23,981.55	24,650.66	25,382.83	24,969.8	25,297.76	24,975.65
Foreign deposits	2,042.97	2,052.9	1,949.95	1,980.52	1,962.67	1,861.32	1,824.95	1,869.31	1,876.96	1,971.27	1,921.08	1,926.24	1,863.6	1,820.91	1,872.38	1,955.87	2,099.84	1,920.25	1,853.62	1,828.02	1,799.36	2,033.44	2,094.91	2,031.72	2,092.62	2,062.17	2,004.17	1,986.94	1,713.19	1,853.07	2,007.63	1,958.4	1,797.17	1,765.53	1,782.32	1,788.91	1,702.55
Financial bonds issued	15,052.79	15,209.66	15,219.71	15,295.64	15,411.44	15,352.58	15,401.78	15,596.16	15,402.72	15,392.99	15,461	15,461.66	15,661.56	15,174.83	15,190.73	15,044.68	14,903.67	15,375.94	15,163.03	15,239.98	15,213.51	15,043.28	15,209.76	14,922.25	14,508.36	14,315.99	13,991.3	14,133.32	15,036.85	13,862.24	13,434.6	13,284.33	13,399.73	13,375.32	13,307.18	12,981.89	12,697.31
Currency in circulation	14,820.29	14,736.48	14,685.47	14,747.74	14,708.28	15,143.64	14,613.86	14,126.14	13,736.94	13,581.34	13,340.23	13,284.48	13,182.72	13,125.85	13,138.7	13,069.19	13,275.66	13,547.81	12,819.42	12,418.03	12,183	11,947.26	11,884.05	11,773.68	11,706.27	11,731.06	11,721.05	12,100.99	12,244.7	11,344.46	11,022.52	10,925.32	10,651.54	10,612.97	10,541.92	10,475.67	10,590.45
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	0.5
Other funds	41,843.42	41,083.86	41,649.21	41,841.48	40,959.5	41,283.4	40,689.84	42,479.74	43,460.27	43,170.25	43,457.07	43,622.37	42,423.97	43,167.19	43,382.24	42,021.94	41,967.81	43,335.27	43,115.56	39,625.43	39,383.84	40,964.49	40,520.51	39,578.99	40,206.78	40,054.55	35,398.29	35,831.37	40,581.95	35,585.83	34,669.87	34,473.57	34,144.61	33,293.18	31,268.71	32,178.68	32,051.83
TOTAL USES OF FUNDS6	418,187.42	417,471.4	416,009.69	414,565.92	413,486.8	409,717.11	407,475.58	400,845.41	399,563.13	397,083.84	394,985.38	393,039.29	391,442.75	388,430.78	386,491.52	385,359.57	381,117.44	397,808.73	373,352.32	370,932.06	367,663.12	365,098.06	362,534.77	361,992.68	359,681.85	357,687.33	356,616.57	352,766.13	369,341.2	345,055.36	343,302.98	339,687.48	336,957.47	334,781.31	333,738.78	330,545.27	328,786.81
Total loans2	282,289.49	282,630.83	281,021.17	280,501.85	280,513.35	277,518.13	276,618.08	271,912.66	271,000.73	270,390.22	269,098.72	268,509.98	268,559.02	266,321.25	265,698.74	265,413.67	261,777.81	270,606.72	255,677.82	254,682.68	253,610.83	252,016.65	251,113.69	250,852.65	248,726.96	247,781.77	247,049.28	243,960.4	254,104.36	237,590.54	236,419.64	234,592.49	232,280.66	230,922.62	230,576.67	227,527.14	226,164.35
Domestic loans3	279,167.29	279,729.24	278,103.77	277,693.79	277,918.14	274,935.83	274,101.37	269,388.03	268,484.8	268,012.92	266,638.77	266,126.56	266,355.08	264,095.77	263,447.18	263,197.25	259,540.73	268,090.7	253,622.98	252,725.43	251,868.03	250,163.8	249,255.09	249,130.35	247,078.05	246,221.16	245,625.72	242,530.73	252,273.9	236,290.09	235,170.14	233,385.64	231,031.73	229,726.47	229,472.34	226,425.64	225,142.29
Household loans2	82,444.33	82,904.56	82,639.98	82,781.16	83,568.13	83,077.24	83,727.93	83,271.43	83,363.1	83,932.73	83,540.77	83,510.5	83,999.8	83,402.12	83,348.18	83,873.26	82,884.41	83,569.36	82,829.74	82,472.02	82,042.68	81,548.54	81,352.25	81,564.15	80,994.29	80,918.6	81,437.04	80,494.65	82,202.5	80,092.09	79,875.11	79,617.17	78,752.6	78,360.4	78,561.06	77,601.52	77,234.37
Short-term2	19,468.33	19,808.35	19,702.21	19,786.27	20,232.41	20,036.82	20,506.09	20,396.4	20,498.69	21,001.01	20,858.91	20,848.46	21,231.19	20,969.08	20,989.82	21,391.75	20,907.62	20,714.44	21,182.58	21,123.82	21,111.79	20,841.77	20,770.23	20,985.78	20,738.69	20,714.4	21,066.21	20,575.43	21,160.83	20,703.36	20,634.02	20,679.88	20,358.79	20,126.75	20,260.23	19,766.46	19,567.66
Short-term consumer loans	8,655.91	8,816.86	8,779.77	8,803.75	9,009.13	9,040.21	9,421.89	9,482.71	9,602	9,823.13	9,825.05	9,791.44	9,932.53	9,872.94	9,871.97	9,993.28	9,858	9,729.62	10,188.83	10,191.38	10,069.6	9,958.55	9,902.69	9,983.16	9,912.02	9,911.84	10,082.96	9,983.05	10,187.71	10,354.1	10,353.81	10,306.26	10,227.75	10,104.72	10,147.17	9,974.76	9,880.61
Short-term business loans	10,812.42	10,991.49	10,922.44	10,982.52	11,223.28	10,996.61	11,084.2	10,913.69	10,896.69	11,177.88	11,033.86	11,057.02	11,298.66	11,096.14	11,117.85	11,398.48	11,049.62	10,984.82	10,993.75	10,932.44	11,042.19	10,883.22	10,867.54	11,002.61	10,826.67	10,802.56	10,983.25	10,592.38	10,973.12	10,349.27	10,280.22	10,373.62	10,131.04	10,022.03	10,113.06	9,791.7	9,687.05
Medium and long-term2	62,975.99	63,096.21	62,937.77	62,994.9	63,335.73	63,040.42	63,221.84	62,875.03	62,864.42	62,931.73	62,681.86	62,662.03	62,768.61	62,433.04	62,358.36	62,481.5	61,976.8	62,854.92	61,647.16	61,348.2	60,930.9	60,706.77	60,582.02	60,578.38	60,255.59	60,204.21	60,370.83	59,919.22	61,041.67	59,388.73	59,241.08	58,937.29	58,393.81	58,233.65	58,300.83	57,835.07	57,666.71
Medium and long-term consumer loans	48,178.75	48,294.4	48,261.48	48,366.43	48,666.23	48,600.28	48,819.48	48,681.34	48,804.18	48,902.09	48,827.46	48,893.06	48,974.05	48,857.81	48,839.24	48,914.03	48,666.16	48,848.5	48,496.91	48,300.32	47,909.51	47,815.91	47,768.3	47,778.45	47,652.28	47,710.66	47,902.81	47,744.83	48,022.88	47,589.71	47,577.38	47,419.6	47,095.29	47,089.92	47,195.99	47,030.07	47,033.92
Medium and long-term business loans	14,797.25	14,801.81	14,676.29	14,628.47	14,669.5	14,440.14	14,402.37	14,193.69	14,060.24	14,029.64	13,854.41	13,768.97	13,794.56	13,575.24	13,519.12	13,567.47	13,310.64	14,006.41	13,150.25	13,047.88	13,021.39	12,890.86	12,813.72	12,799.92	12,603.31	12,493.55	12,468.02	12,174.4	13,018.79	11,799.02	11,663.7	11,517.69	11,298.52	11,143.73	11,104.84	10,805	10,632.79
Corporate and institutional loans5	196,166.16	196,295.78	194,792.3	194,154.87	193,766.81	191,106.04	189,610.44	185,165.39	184,093.45	183,130.87	181,913.8	181,318.89	181,260.67	179,496.47	178,960.73	178,349.12	175,511.24	183,478.41	169,731.77	169,248.82	168,860.65	167,380.22	166,532.29	166,401.33	164,777.17	164,032.26	163,179.08	160,830.69	168,996.72	155,423.16	154,529.57	153,191.13	151,517.44	150,568.6	150,330.8	148,047.41	147,191.59
Short-term	51,559.81	51,816.93	50,993.81	50,891.52	51,349.16	49,870.32	49,268.92	47,224.35	46,857.44	46,945.3	46,232.85	46,167.96	46,710.79	45,558.05	45,443.12	45,920.41	44,482.71	46,754.58	42,441.91	42,455.66	42,655.35	42,203.66	42,385.28	42,943.5	42,267.04	42,392.74	42,800.38	41,816.78	42,469.66	39,838.84	39,906.33	39,912.8	39,343.96	39,384.09	39,762.56	39,019.19	38,984.16
Medium and long-term	123,395.76	123,618.08	123,065.78	123,085.19	123,493.98	122,143.71	121,247.95	118,072.22	117,733.68	117,534.6	116,631.34	116,158.78	116,415.11	115,409.46	115,076.94	114,825.82	113,249.51	117,569.53	109,260.61	109,220.03	108,838.47	107,875.05	107,388.28	107,253.23	106,287.47	105,786.24	105,378.08	103,780.53	109,008.9	99,185.34	98,331.15	97,502.3	96,248.18	95,603.79	95,332.64	93,733.57	92,963.77
Discount of valuable papers	17,570.19	17,194.68	17,080.3	16,523.22	15,283.12	15,471.5	15,506.43	16,380.35	16,031.65	15,194.71	15,597.26	15,544.17	14,673.06	15,083.94	15,009.4	14,175.26	14,373.82	15,695.25	14,719.46	14,267.97	13,978.35	13,909.74	13,364.66	12,806.02	12,845.33	12,488.09	11,648.05	11,901.13	14,147.76	13,150.01	13,000.39	12,473.58	12,623.62	12,276.38	11,916.7	11,998.76	11,956.76
Financial leasing	3,508.04	3,535.9	3,518.45	3,523.25	3,513.24	3,494.28	3,464.44	3,366.9	3,346.64	3,324.3	3,318	3,313.83	3,328.47	3,311.78	3,297.52	3,290.08	3,264.98	3,329.8	3,171.34	3,156.16	3,222.37	3,225.41	3,227.53	3,231.13	3,208.8	3,192	3,181.38	3,160.77	3,202.9	3,082.39	3,109.07	3,107.95	3,102.42	3,103.61	3,116.51	3,086.62	3,081
Advances	132.36	130.2	133.96	131.7	127.32	126.23	122.7	121.58	124.04	131.97	134.35	134.15	133.24	133.25	133.75	137.55	140.22	129.24	138.44	149.01	166.1	166.37	166.53	167.45	168.55	173.19	171.19	171.47	167.5	166.57	182.63	194.49	199.26	200.73	202.39	209.27	205.89
Non-bank financial institution loans	556.8	528.9	671.49	757.76	583.2	752.54	763	951.22	1,028.25	949.32	1,184.2	1,297.18	1,094.6	1,197.18	1,138.27	974.88	1,145.08	1,042.94	1,061.47	1,004.59	964.7	1,235.03	1,370.56	1,164.87	1,306.59	1,270.3	1,009.6	1,205.38	1,074.69	774.84	765.47	577.35	761.69	797.47	580.49	776.71	716.33
Foreign loans	3,122.2	2,901.59	2,917.4	2,808.06	2,595.21	2,582.3	2,516.72	2,524.63	2,515.93	2,377.3	2,459.95	2,383.42	2,203.94	2,225.48	2,251.56	2,216.42	2,237.07	2,516.01	2,054.84	1,957.25	1,742.8	1,852.86	1,858.6	1,722.3	1,648.91	1,560.61	1,423.56	1,429.68	1,830.46	1,300.45	1,249.5	1,206.85	1,248.93	1,196.15	1,104.33	1,101.5	1,022.06
Bond investments	93,393.94	92,561.58	92,218.32	91,523.58	90,931.76	89,893.38	88,623.81	86,835.44	86,448.97	84,832.13	83,984.62	82,645.73	80,995.72	80,118.62	78,881.76	78,233.26	77,533.34	85,178.7	74,976.68	73,680.66	71,427.51	70,243.77	68,534.83	68,261.47	67,868.39	66,943.96	67,148.98	66,301.28	72,479.93	65,424.14	65,034.31	63,165.65	62,189.38	61,352.01	61,131.07	60,601.72	60,311.93
Equity and other investments	19,803.09	19,595.88	20,194.63	20,063.84	19,669.23	20,001.31	20,005.98	19,924.24	19,936.89	19,553.19	19,524.17	19,439.9	19,367.26	19,408.6	19,253.36	18,999.54	19,033.54	19,787.37	19,809.08	19,646.24	19,644.65	19,830.71	19,840.75	19,802.54	19,975.83	19,834.45	19,269.16	19,411.14	19,801.33	19,132.25	19,018.04	19,277.91	19,883.37	19,919.17	19,449.41	19,837.32	19,737.25
Gold occupation funds	504.66	487.19	474.02	464.12	456.02	450.9	449.75	448.64	447.67	445.8	444.92	443.35	441.82	440.31	438.79	437.25	435.07	446.72	428.47	422.34	419.26	419.26	419.26	419.26	419.26	419.26	418.17	415.62	419.26	405.29	401	385.53	375.04	363.33	354	345.58	338.51
Foreign exchange held by the Central Bank	21,726.29	21,728.26	21,630.69	21,538.11	21,442.53	21,376.39	21,292.26	21,239.12	21,241.84	21,368.06	21,438.2	21,509	21,580.5	21,651.93	21,725.59	21,800.17	21,866.33	21,300.3	21,991.9	22,034.44	22,096.65	22,123.06	22,154.93	22,189.97	22,226.08	22,245.05	22,268.17	22,218.06	22,073.3	22,045.39	21,976.39	21,809.51	21,767.39	21,782.47	21,773.37	21,782.22	21,789.51
Assets at international financial institutions	469.95	467.65	470.87	474.42	473.91	477.01	485.7	485.3	487.03	494.43	494.75	491.33	498.44	490.07	493.28	475.68	471.34	488.93	468.37	465.71	464.22	464.61	471.31	466.79	465.33	462.84	462.8	459.62	463.03	457.76	453.59	456.38	461.62	441.71	454.27	451.3	445.27

Latest reading

Total loans stood at 282,289.49 CNY billion in Jul 2026. That is −0.1% from Jun 2026 and +5.1% from a year earlier. The series on this page is monthly and runs from Jan 2015 to Jul 2026. Source: People's Bank of China (PBOC).

Latest: 282,289.49 CNY billion; Jul 2026
vs previous period: −0.1%; Jun 2026
vs a year earlier: +5.1%

About this data

The "Financial Institution RMB Credit Receipts and Payments" table, published monthly by the People's Bank of China, details the aggregate sources and uses of RMB funds across the financial institution system, where both sides are always equal. This table addresses the questions of WHOSE MONEY IT IS and WHO IS BORROWING — dimensions that total outstanding credit figures alone cannot reveal. The uses-of-funds side separates households from enterprises, and further divides household borrowing into CONSUMER loans and BUSINESS loans across both short-term and medium- to long-term maturities: these specific lines show that Chinese households are paying down mortgages (medium- and long-term consumer loans) while business loans continue to rise — a phenomenon referred to as a "balance sheet recession" in the household sector. The sources-of-funds side disaggregates deposits by households, non-financial enterprises, government agencies and organizations, fiscal deposits, and non-bank financial institutions. The time series begins in January 2015, denominated in billions of yuan. The PBOC has revised its nomenclature twice while maintaining a continuous series: government agency and organization deposits were grouped under "government deposits" prior to 2019, and enterprise loans were designated as "non-financial enterprises and government agencies and organizations" before 2020. Verification checks: total sources equal total uses across all periods, and each line item equals the sum of its components. Source: People's Bank of China (Statistics and Analysis Department).