欧元区银行贷款的最新值是多少？

最新值为5.48万亿欧元（2026年7月）。较2026年6月+0.7%，较上年同期+4.5%。

欧元区银行贷款的数据可追溯至何时？

本页序列为月度，时间跨度从1997年9月至2026年7月。来源：欧洲央行（ECB Data Portal）。本数据表中的每个序列均可查看全历史图表，并支持下载为CSV或Excel格式。

欧元区银行贷款统计的核心内容是什么？

该指标衡量欧元区货币金融机构向实体经济提供的信贷余额规模，涵盖非金融企业贷款以及居民家庭的住房贷款与消费信贷。作为货币政策传导的核心渠道，信贷总量的扩张与收缩直接反映了企业投资与居民消费的资金需求。

欧元区银行贷款数据由谁发布，指标经过了哪些调整？

本数据由欧洲央行（ECB Data Portal）月度发布。为真实反映实体经济的信贷环境，欧洲央行对数据进行了专项调整，剔除了贷款转让出售、资产证券化以及名义现金池等纯财务操作所导致的账面余额波动。

如何解读不同借款主体与成员国之间的贷款走势？

观察贷款数据需结合用途与期限。在利率政策调整时，住房贷款需求通常先于企业贷款作出反应。此外，虽然欧元区实行统一货币政策，但各成员国在信贷需求与风险溢价上的差异，会导致各成员国间的贷款增速呈现明显分化。

欧元区银行贷款

Name: 欧元区银行贷款
Creator: 欧洲央行（ECB Data Portal）
License: https://creativecommons.org/licenses/by/4.0/

欧洲央行（ECB）发布的欧元区货币金融机构（MFI）月度贷款余额，反映对非金融企业、居民家庭以及专项住房贷款的信贷投放规模。住房贷款是居民家庭债务中占比最大的组成部分。该指标是欧洲央行货币政策的核心传导渠道：在历次加息周期中，住房信贷增速总是最先放缓，随后是非金融企业信贷。表格涵盖全部21个成员国：尽管面对相同的政策利率，各国的信贷反应截然不同，21个国家的债务总和构成了欧元区整体总量。表格后半部分展示欧元区层面的调整后债务数据，按借款主体和贷款用途细分：居民家庭分为消费信贷、住房贷款和其他贷款；非金融企业按期限划分为1年以下、1-5年和5年以上；此外还涵盖投资基金、保险公司、养老基金及其他金融中介机构。所谓“调整后”，是指欧洲央行剔除了贷款出售、资产证券化以及名义现金池（notional cash pooling）的影响——否则，银行每次转让贷款资产包都会表现为信贷收缩，即便实体经济并未发生实质变化。数据来源：欧洲中央银行数据门户（ECB Data Portal）。

来源：欧洲央行（ECB Data Portal）最后更新： 2026年9月04日 04:37 UTC整理维护 Bui Thanh Phuc

正在加载图表数据…

指标	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
非金融企业贷款22
欧元区	5,481,083.17	5,440,923.43	5,409,615.13	5,385,612.65	5,354,935.69	5,323,041.74	5,294,221.06	5,278,316.49	5,277,722.26	5,258,125.29	5,237,450.57	5,235,800.36	5,245,653.32	5,223,903.16	5,212,488.41	5,212,985.86	5,201,755.95	5,188,891.28	5,176,327.78	5,172,792.48	5,158,669.4	5,143,464.68	5,130,950.27	5,131,358.3	5,152,308.52	5,141,134.7	5,124,662.83	5,120,416.35	5,115,025.41	5,100,193.02	5,097,093.06	5,113,385.81	5,128,597.02	5,113,120.61	5,106,315.32	5,113,423.21	5,150,987.69
德国	1,380,906	1,380,350	1,378,482	1,371,233	1,368,280	1,368,109	1,363,076	1,372,452	1,380,117	1,373,457	1,370,695	1,376,759	1,369,665	1,368,802	1,370,056	1,370,428	1,369,480	1,370,357	1,365,920	1,362,703	1,364,732	1,358,515	1,360,701	1,361,490	1,361,742	1,362,908	1,362,888	1,360,516	1,361,050	1,360,658	1,356,784	1,353,613	1,360,736	1,354,882	1,352,377	1,356,111	1,360,956
法国	1,485,578	1,474,703	1,465,854	1,465,491	1,453,300	1,441,546	1,438,881	1,447,234	1,438,223	1,439,468	1,427,486	1,425,852	1,435,687	1,422,294	1,426,035	1,428,307	1,425,752	1,418,101	1,417,568	1,426,074	1,412,023	1,413,999	1,402,960	1,403,913	1,412,076	1,407,046	1,397,287	1,397,432	1,394,195	1,388,710	1,390,505	1,399,318	1,396,656	1,408,946	1,402,344	1,399,805	1,409,901
意大利	639,355	636,593	629,771	628,627	627,814	617,432	617,585	620,239	617,530	611,198	614,975	612,444	618,004	619,061	611,537	613,553	614,201	609,545	609,896	611,737	609,228	607,643	611,627	609,418	617,457	621,207	622,737	621,411	624,039	625,008	625,921	629,079	636,168	631,510	631,270	636,828	649,688
西班牙	507,926	504,643	497,283	497,771	496,374	487,387	485,602	489,087	483,024	484,009	483,214	480,395	485,668	484,733	479,586	479,976	478,469	472,157	472,457	473,964	470,686	470,869	472,133	469,577	475,636	475,479	468,173	472,153	472,518	467,652	467,591	474,360	470,898	471,449	475,357	475,815	483,873
荷兰	470,710	454,963	460,286	451,408	442,157	440,943	434,872	419,708	436,352	431,938	424,184	428,485	427,209	418,738	426,677	422,701	418,293	419,373	417,128	402,803	410,208	403,623	395,020	398,634	393,185	383,033	387,460	382,440	379,290	376,991	375,550	372,376	383,842	368,168	365,003	368,076	368,182
比利时	202,813	201,459	198,404	196,997	193,875	201,311	192,554	191,320	189,032	187,838	187,995	187,831	187,736	186,442	184,032	183,518	180,356	187,499	183,766	183,500	179,895	178,713	177,917	184,199	184,885	183,535	183,772	184,180	181,607	181,482	181,913	182,130	181,172	178,889	177,833	177,693	178,469
爱尔兰	60,703	59,313	57,922	57,089	57,454	55,497	55,000	57,255	57,593	57,661	56,818	56,211	56,442	57,276	56,164	58,232	58,908	58,127	58,188	59,277	58,749	58,849	60,587	58,241	59,495	58,248	57,504	57,580	57,225	57,676	58,172	59,071	59,124	59,851	59,440	58,871	58,876
奥地利	247,975	246,369	245,094	243,752	243,454	242,678	241,851	242,641	242,365	240,429	240,983	240,182	239,736	240,170	238,277	237,986	238,020	237,619	237,557	238,777	239,583	238,367	238,614	238,021	238,598	238,292	236,919	237,083	236,677	235,353	234,905	236,166	235,948	235,601	236,891	236,610	237,017
芬兰	114,623	112,056	111,180	110,991	110,274	110,472	109,973	110,118	110,239	110,484	109,927	109,793	109,265	109,602	109,455	108,717	108,763	108,348	108,277	108,337	109,992	110,254	110,209	109,781	109,794	110,520	110,483	109,969	110,053	109,821	109,632	108,318	108,754	108,319	108,494	107,705	107,775
葡萄牙	79,598.4	79,170.64	77,781.69	77,625.91	77,509.62	76,132.43	75,697.59	75,629.76	75,545.21	75,310.98	75,734.94	75,516.35	75,807.86	75,683.22	74,575.75	73,996.08	74,020.57	73,973.82	73,847.71	73,614.36	73,419.1	73,295.28	73,785.5	73,745.92	74,431.48	74,254.89	73,804.62	73,898.84	74,269.73	74,224.01	74,069.78	74,810.21	73,967.6	74,133.39	74,963.6	74,857.07	75,398.91
希腊	83,933	85,744	83,407	83,083	83,875	81,733	80,765	81,857	78,538	77,714	78,734	76,925	76,767	77,818	75,990	75,962	76,041	74,200	72,920	73,754	73,424	71,683	69,651	68,129	68,149	69,116	66,609	66,618	66,950	65,346	64,989	67,054	63,040	63,145	63,543	61,700	61,996
斯洛伐克	25,832.92	25,696.45	25,668.32	25,624.15	25,362	25,307.37	25,304.21	25,243.53	25,440.67	25,695.84	25,627.23	25,486.96	25,332.63	25,296.37	24,955.27	24,922.95	24,894.02	24,813.8	24,717.09	23,982.24	24,314.94	24,446.58	24,257.46	24,131.72	24,007.25	24,222.13	24,072.16	24,074.69	24,192.78	24,548.84	24,435.9	24,350.3	24,928.35	24,874.38	25,134.09	24,808.21	24,653.08
保加利亚	29,856.82	29,521.04	29,218.78	29,103.57	28,907.77	28,482.27	28,298.71	27,986.02	27,684.14	27,104.98	26,830.69	26,333.43	26,381.36	26,334.14	26,085.11	25,924.31	25,908.92	26,042.16	25,813.24	25,417.93	25,232.9	24,805.75	24,526.03	24,429.12	24,389.99	24,236.48	24,072.73	23,992.71	23,746.14	23,601.08	23,320.42	23,248.21	23,023.45	22,861.63	22,722.17	22,341.52	22,457.84
卢森堡	65,820	65,174	64,903	63,675	64,033	64,222	63,963	65,110	63,925	63,815	63,081	62,789	61,630	61,901	60,052	60,226	60,667	61,471	61,591	62,394	61,417	62,855	63,564	62,402	63,061	63,754	64,204	64,557	64,921	65,385	65,302	64,969	65,390	65,301	65,910	67,164	67,221
克罗地亚	19,040	18,682	18,884	18,433	18,127	17,939	17,864	17,721	17,629	17,411	17,195	17,014	17,175	17,108	16,952	16,841	16,589	16,480	16,223	15,800	15,550	15,405	15,254	15,183	15,293	15,341	15,229	15,111	14,846	14,648	14,607	14,898	14,841	14,791	14,764	14,698	14,663
立陶宛	15,920	15,748	15,588	15,186	15,019	15,079	14,702	14,534	14,498	14,302	14,162	13,808	13,509	13,484	13,273	12,957	12,729	12,497	12,390	12,424	12,078	11,922	11,779	11,705	11,671	11,316	11,134	11,097	11,062	10,724	10,741	10,836	10,728	10,768	10,636	10,493	10,349
斯洛文尼亚	12,187.81	12,243.63	12,234.58	12,189.88	11,987.55	12,011.62	11,891.7	11,607.06	11,618.99	11,582.48	11,399.49	11,482.72	11,379.91	11,291.57	11,274.45	11,217.54	11,233.57	11,230.73	11,050.45	10,850.25	11,083.39	11,047.13	11,025.7	11,038	11,068.95	11,114.75	10,956.23	10,989.22	10,923.89	10,882.07	10,910.02	10,927.84	11,332.47	11,426.21	11,350.43	11,429.51	11,519.73
拉脱维亚	7,623	7,591	7,425	7,353	7,259	7,185	7,123	7,262	7,097	7,057	6,652	6,724	6,566	6,331	6,199	6,144	6,109	6,101	6,014	6,020	5,985	5,955	5,842	5,797	5,747	5,816	5,730	5,695	5,655	5,680	5,652	5,702	5,704	5,676	5,664	5,652	5,542
爱沙尼亚	12,929	12,919	12,678	12,657	12,533	12,533	12,242	12,297	12,156	11,996	11,922	11,738	11,624	11,496	11,408	11,307	11,245	11,229	11,098	11,148	10,883	10,632	10,455	10,426	10,395	10,203	10,101	10,105	10,062	10,054	10,125	10,070	10,099	10,036	9,945	9,678	9,552
塞浦路斯	11,225	11,455	11,157	11,000	10,969	10,785	10,812	10,882	10,779	10,805	10,827	10,622	10,719	10,694	10,419	10,418	10,402	10,243	10,228	10,145	9,851	9,884	10,051	10,099	10,181	10,209	10,118	10,124	10,119	10,011	9,954	9,942	9,940	10,022	10,081	10,212	10,261
马耳他	6,528.23	6,529.67	6,393.76	6,323.13	6,371.74	6,257.04	6,163.85	6,119.15	6,020.38	5,953.99	5,838.91	5,742.33	5,730.92	5,682	5,570.94	5,576.3	5,583.8	5,525.93	5,491.53	5,488.62	5,567.98	5,507.68	5,517.61	5,427.65	5,435.85	5,519.93	5,481.81	5,382.61	5,370.01	5,339.09	5,334.36	5,395.46	5,328.61	5,332.63	5,315.2	5,217.42	5,094.97
住户贷款22
欧元区	6,996,314.49	6,969,907.57	6,941,563.84	6,924,859.44	6,921,666.3	6,900,413.47	6,890,426.35	6,861,448.63	6,852,646.77	6,825,551.67	6,816,261.79	6,792,544.29	6,785,610.1	6,772,843.16	6,741,001.21	6,727,112.75	6,710,492.28	6,695,813.29	6,688,822.87	6,686,775.39	6,688,962.5	6,667,881.88	6,664,779.75	6,653,316.03	6,651,155.65	6,648,356.64	6,629,089.68	6,628,969.35	6,629,773.96	6,621,780.31	6,626,220.46	6,655,118.44	6,669,284.51	6,651,212.79	6,639,840	6,635,014.73	6,638,143.69
德国	2,119,834	2,114,537	2,110,315	2,106,352	2,103,604	2,100,499	2,097,210	2,098,874	2,096,232	2,093,693	2,090,324	2,085,646	2,080,390	2,074,290	2,071,345	2,066,849	2,063,191	2,059,887	2,057,043	2,057,719	2,056,336	2,053,433	2,051,344	2,048,440	2,044,575	2,041,685	2,040,588	2,038,172	2,038,310	2,035,577	2,035,147	2,038,162	2,039,461	2,038,734	2,038,611	2,036,480	2,033,921
法国	1,585,735	1,579,642	1,573,634	1,573,564	1,573,160	1,569,620	1,571,609	1,574,421	1,569,426	1,568,804	1,576,271	1,572,084	1,574,602	1,570,949	1,567,026	1,569,585	1,569,005	1,565,397	1,566,324	1,567,061	1,563,093	1,563,708	1,569,310	1,568,683	1,571,385	1,566,392	1,566,674	1,571,624	1,574,362	1,573,707	1,576,694	1,596,690	1,597,797	1,599,759	1,584,670	1,583,529	1,584,507
意大利	697,026	694,486	691,897	689,838	688,773	685,254	684,442	684,853	683,751	681,184	678,760	676,150	678,774	675,755	674,264	672,162	671,074	668,503	668,085	668,838	668,454	667,041	665,506	664,089	666,844	665,251	665,167	667,145	667,637	667,634	669,164	671,248	673,378	672,909	673,358	673,354	676,188
西班牙	714,453	710,576	706,898	703,896	711,766	710,970	708,931	707,834	715,671	701,716	698,128	696,457	695,754	703,888	689,201	686,348	684,261	681,621	680,857	680,926	690,822	678,108	676,469	675,968	676,172	685,299	673,205	671,962	671,313	670,307	671,601	674,698	686,032	675,976	677,438	678,088	680,500
荷兰	675,787	672,354	668,347	665,917	662,949	660,445	657,144	654,421	650,531	648,321	645,107	640,833	638,163	635,008	631,792	628,929	626,365	623,519	621,172	617,635	618,414	616,134	614,349	610,899	608,709	607,833	605,621	603,693	602,308	600,521	599,333	598,498	599,057	590,167	591,287	590,265	589,710
比利时	278,670	277,566	276,374	276,036	275,257	274,158	273,639	273,198	272,152	270,412	269,277	268,201	267,593	266,411	265,327	264,673	263,860	268,670	268,106	267,001	266,319	265,879	265,075	264,999	264,567	263,916	263,264	262,816	261,980	261,684	260,729	260,923	260,280	259,719	258,975	258,550	258,403
爱尔兰	116,358	115,795	114,947	114,617	114,396	113,793	113,685	113,560	112,699	112,557	112,065	111,236	110,879	110,140	109,547	109,283	104,967	104,341	104,258	104,294	103,822	103,771	103,331	103,101	103,057	102,640	102,231	102,122	101,980	101,764	101,840	101,900	101,578	102,018	101,845	101,638	101,436
奥地利	198,149	198,433	196,927	196,327	196,702	195,335	195,586	196,149	195,565	195,449	195,796	194,593	194,563	194,392	193,119	193,008	193,547	192,397	192,797	193,887	193,275	193,471	194,165	193,193	193,634	193,927	192,973	193,140	194,126	194,016	194,704	195,735	195,428	195,570	196,374	196,205	196,740
芬兰	142,868	142,868	142,855	142,749	142,825	142,937	143,161	143,159	143,514	143,423	143,395	143,463	143,267	143,237	143,201	143,070	143,152	143,089	143,281	143,224	143,422	143,423	143,356	143,485	143,263	143,476	143,368	143,391	143,682	143,695	143,867	143,503	143,228	143,321	143,658	143,733	143,728
葡萄牙	156,038.46	154,610.27	153,295.2	151,929.36	150,682.95	148,846.02	147,920.6	147,037.53	145,974.06	144,812.12	143,626.19	142,392.64	141,403.03	140,227.49	139,311.32	138,119.72	137,195.1	136,060.17	135,212.11	134,777.86	133,980.45	133,350.79	132,746.66	132,178.3	131,470.88	131,133.91	130,771.16	130,353.19	130,028.08	129,640.84	129,495.71	129,642.17	129,702.14	129,599.39	129,693.45	129,786.42	129,868.9
希腊	37,884	37,949	37,744	37,726	37,824	37,873	37,843	38,087	37,983	37,865	38,054	37,898	37,915	37,905	38,459	38,833	38,809	38,794	38,823	39,091	40,024	39,991	40,132	40,644	40,670	40,728	40,557	40,652	40,741	40,754	41,510	41,775	41,590	41,592	41,858	41,882	41,964
斯洛伐克	61,237.34	60,702.6	60,220.4	59,754.64	59,335.16	58,882.3	58,603.98	58,368.17	58,054.95	57,753.53	57,308.37	56,906.63	56,558.38	56,082.52	55,719.35	55,314.72	55,004.07	54,710.68	54,532.61	54,549.63	54,304.58	54,075.28	53,831.22	53,635.13	53,471.95	53,218.67	53,068.89	52,847.2	52,697.76	52,588.75	52,462.71	52,377.31	52,343.32	52,181.78	51,827.53	51,749.86	51,585.58
保加利亚	32,179.5	31,595.55	30,954.81	30,453.28	29,913.26	29,385.41	29,007.85	28,763.44	28,388.47	27,977.54	27,511.5	27,090.41	26,659.31	26,151.44	25,665.87	25,245.13	24,809.27	24,391.91	24,063.2	23,793.89	23,509.83	23,152.37	22,782.58	22,453.09	22,080.09	21,677.75	21,298.8	20,977.57	20,577.66	20,239.63	19,932.86	19,720.04	19,538.45	19,215.99	18,962.98	18,763.54	18,470.66
卢森堡	68,470	68,180	67,805	67,385	67,067	66,155	66,196	66,426	66,706	66,034	65,650	65,140	64,950	64,892	64,210	63,457	63,554	63,091	63,169	63,136	62,603	62,031	62,754	62,237	62,142	62,399	61,717	61,854	62,152	61,909	62,094	62,699	62,450	63,203	64,270	64,186	64,505
克罗地亚	29,250	28,965	28,730	28,466	28,166	27,834	27,589	27,477	27,302	27,104	26,815	26,582	26,468	26,140	25,709	25,376	25,036	24,740	24,540	24,348	24,271	24,084	23,603	23,401	23,264	23,019	22,828	22,593	22,330	22,101	21,924	21,784	21,697	21,501	21,338	21,158	20,969
立陶宛	22,029	21,662	21,107	20,789	20,602	20,263	20,018	19,779	19,560	19,266	18,969	18,653	18,349	17,983	17,704	17,393	17,113	16,880	16,704	16,556	16,405	16,233	15,982	15,821	15,661	15,504	15,355	15,198	15,064	14,981	14,915	14,839	14,802	14,731	14,642	14,549	14,439
斯洛文尼亚	15,477.49	15,366.8	15,304.1	15,194.76	15,050.9	14,889.74	14,820.8	14,753.18	14,728.66	14,645.36	14,525.34	14,412.14	14,306.84	14,181.4	14,115.1	14,031.3	13,930.29	13,814.03	13,763.45	13,728.75	13,696.62	13,617.85	13,524.73	13,457.98	13,368.65	13,274.31	13,254.15	13,174.34	13,081.76	13,001.27	12,953.79	12,926.93	12,907.99	12,840.37	12,766.13	12,703.34	12,638.71
拉脱维亚	7,321	7,230	7,154	7,090	7,020	6,949	6,920	6,882	6,858	6,820	6,667	6,584	6,514	6,432	6,375	6,324	6,267	6,216	6,197	6,173	6,158	6,123	6,083	6,050	6,001	5,955	5,917	5,872	5,843	5,823	5,811	5,813	5,817	5,808	5,784	5,766	5,737
爱沙尼亚	15,465	15,303	15,163	15,027	14,896	14,771	14,687	14,624	14,501	14,393	14,264	14,143	14,041	13,912	13,730	13,608	13,499	13,411	13,346	13,288	13,193	13,094	12,991	12,903	12,809	12,703	12,625	12,536	12,360	12,311	12,276	12,259	12,187	12,118	12,046	11,995	11,927
塞浦路斯	10,765	10,869	10,746	10,695	10,710	10,666	10,610	10,851	10,803	10,772	10,827	10,819	10,836	10,822	10,716	10,703	10,679	10,764	10,776	10,783	10,682	10,679	10,670	10,650	10,677	10,669	10,627	10,627	10,631	10,687	10,698	10,701	10,661	10,658	10,665	10,722	10,750
马耳他	11,317.7	11,217.36	11,146.33	11,053.4	10,967.02	10,888.01	10,803.12	10,694.75	10,635.09	10,527.65	10,432.89	10,350.88	10,283.85	10,195.75	10,130.44	10,046.01	9,983.82	9,908.41	9,836.7	9,759.15	9,687.85	9,634.96	9,557.13	9,481.62	9,414.16	9,333.75	9,278.47	9,197.62	9,147.35	9,078.45	9,001.24	8,945.04	8,888.06	8,807.25	8,733.89	8,675.11	8,626.5
Cho vay mua nhà22
欧元区	5,524,119.86	5,503,264.36	5,484,752.24	5,469,120.96	5,456,781.7	5,444,225.95	5,434,072.7	5,411,902.7	5,394,818.3	5,380,901.17	5,374,995.47	5,357,117.37	5,348,236.57	5,328,948.66	5,312,862.36	5,300,134.38	5,285,860.86	5,277,676.28	5,269,767.93	5,263,838.13	5,255,462.29	5,245,257.07	5,245,517.48	5,236,238.49	5,231,638.29	5,221,572.41	5,212,341.67	5,213,588.27	5,214,262.55	5,210,633.83	5,212,488.16	5,237,408.73	5,237,327.19	5,228,976.67	5,215,132.37	5,209,178.65	5,210,105.17
德国	1,665,772	1,660,627	1,658,407	1,654,105	1,650,699	1,648,295	1,645,344	1,645,340	1,643,319	1,639,324	1,634,976	1,630,764	1,626,534	1,621,129	1,618,769	1,614,850	1,611,038	1,607,930	1,605,494	1,605,228	1,604,297	1,600,882	1,599,582	1,597,308	1,594,126	1,591,333	1,588,736	1,586,860	1,586,135	1,583,821	1,583,345	1,585,401	1,585,661	1,584,033	1,583,317	1,580,640	1,578,456
法国	1,295,423	1,291,819	1,288,557	1,286,903	1,287,124	1,286,552	1,287,318	1,288,312	1,285,685	1,285,397	1,294,177	1,291,841	1,292,480	1,290,612	1,287,856	1,288,014	1,288,700	1,287,939	1,288,383	1,287,744	1,286,292	1,286,401	1,293,937	1,293,480	1,294,760	1,292,319	1,292,161	1,295,916	1,298,873	1,300,894	1,303,431	1,322,997	1,323,752	1,323,772	1,309,338	1,309,008	1,309,576
意大利	450,409	448,291	446,917	445,373	444,231	442,752	441,765	441,216	439,754	438,246	436,416	434,867	435,819	433,416	432,116	430,302	429,272	428,002	427,207	426,856	425,841	424,865	423,560	422,735	423,656	422,271	421,432	423,946	424,028	423,879	424,163	425,263	425,150	425,340	425,311	424,979	426,139
西班牙	528,661	525,930	523,979	521,940	519,895	518,668	517,110	515,771	514,026	512,223	510,835	510,096	509,052	506,725	504,404	502,904	500,959	499,437	498,290	497,875	498,243	496,790	496,108	495,922	495,920	495,039	494,139	493,778	493,852	493,671	494,180	495,908	497,173	498,176	499,135	498,908	500,757
荷兰	650,359	647,050	643,090	640,480	637,704	635,320	631,975	629,102	625,049	622,692	619,298	615,087	612,444	609,122	605,976	602,948	600,233	597,469	594,944	591,704	589,766	587,444	585,429	581,884	579,537	578,604	576,554	574,421	572,866	570,992	569,542	568,136	568,240	560,409	561,017	559,793	559,060
比利时	255,536	254,664	253,606	253,157	252,545	251,672	251,186	250,814	249,451	247,731	246,587	245,670	245,020	243,967	242,925	242,209	241,714	245,553	244,927	243,804	242,231	241,190	240,383	239,866	239,383	238,161	237,484	237,081	236,561	236,268	235,265	235,311	234,427	233,847	233,020	232,430	232,152
爱尔兰	96,431	95,955	95,281	95,030	94,816	94,351	94,273	94,133	93,198	93,006	92,570	91,784	91,450	90,880	90,257	90,019	86,568	86,075	86,050	86,047	85,424	85,457	85,126	84,910	84,813	84,587	84,231	84,158	84,175	83,968	84,095	84,213	83,737	83,948	83,863	83,650	83,503
奥地利	139,604	139,621	138,546	138,316	138,247	137,573	137,745	138,136	137,435	137,390	137,265	136,478	136,493	136,230	135,617	135,681	135,752	135,346	135,694	136,341	135,957	136,126	136,357	135,936	136,193	136,457	135,919	136,281	136,889	136,793	137,626	138,585	138,132	138,514	139,082	138,957	139,469
芬兰	105,891	105,875	105,962	105,872	105,903	106,075	106,147	106,272	106,359	106,273	106,213	106,260	106,180	106,172	106,159	106,066	106,025	106,047	106,117	106,234	106,507	106,376	106,326	106,405	106,346	106,520	106,451	106,486	106,652	106,684	106,860	107,491	107,321	107,329	107,513	107,544	107,649
葡萄牙	120,209.72	118,963.64	117,895.55	116,741.82	115,713.74	114,533.68	113,771.6	112,946.92	112,132.83	111,132.26	110,115.55	109,111.39	108,301.9	107,283.86	106,589.94	105,657.52	104,960.34	104,065.18	103,362.02	102,939.23	102,413.31	101,919.72	101,410.09	100,923.8	100,402.51	100,250.1	99,955.08	99,718.42	99,541.95	99,302.67	99,252.97	99,442.16	99,597.61	99,580.13	99,738.24	99,766.57	99,892.86
希腊	25,309	25,322	25,292	25,288	25,323	25,415	25,386	25,409	25,248	25,181	25,226	25,187	25,201	25,171	25,740	26,062	26,053	26,073	26,103	26,238	26,727	26,727	26,799	27,078	27,113	27,167	27,170	27,237	27,333	27,426	27,988	28,195	28,200	28,273	28,365	28,456	28,549
斯洛伐克	46,103.62	45,704.17	45,331.32	44,983.27	44,607.43	44,250.15	44,016.83	43,789.55	43,488.01	43,222.65	42,861.06	42,547.03	42,289.96	41,942.67	41,652.89	41,351.84	41,112.58	40,908.8	40,764.69	40,748.95	40,523.46	40,331.23	40,143.31	40,005.76	39,909.37	39,772.81	39,670.97	39,516.88	39,410.37	39,336.33	39,258.82	39,035.16	38,990.91	38,897.66	38,678.92	38,642.52	38,547.15
保加利亚	19,054.72	18,714.81	18,296.67	17,983.8	17,644.89	17,326.52	17,065.1	16,863.67	16,459.65	16,142.87	15,773.49	15,467.09	15,160.14	14,811.6	14,455.66	14,151.97	13,846.65	13,560.85	13,342.29	13,162.23	12,894.39	12,633.94	12,367.63	12,150.11	11,904.28	11,687.74	11,417.95	11,205.12	10,962.44	10,746.59	10,548.99	10,423.32	10,212.86	9,994.78	9,618.31	9,478.22	9,314.19
卢森堡	45,941	45,966	45,608	45,631	45,596	45,392	45,471	45,550	45,280	45,314	45,335	44,937	45,026	45,097	44,468	44,396	44,393	44,157	44,183	44,217	43,868	43,813	43,899	43,732	43,803	43,864	43,608	43,722	43,831	43,699	43,812	43,951	43,798	43,977	44,122	43,974	44,225
克罗地亚	14,727	14,560	14,416	14,265	14,127	13,984	13,830	13,757	13,580	13,461	13,315	13,180	13,074	12,857	12,580	12,397	12,220	12,104	12,014	11,912	11,815	11,727	11,625	11,536	11,471	11,364	11,276	11,192	11,105	11,043	10,977	10,911	10,833	10,764	10,707	10,624	10,500
立陶宛	16,293	16,091	15,891	15,742	15,641	15,460	15,318	15,160	14,984	14,797	14,611	14,439	14,267	14,076	13,922	13,750	13,591	13,454	13,343	13,232	13,134	13,022	12,895	12,796	12,686	12,581	12,493	12,404	12,324	12,266	12,220	12,174	12,125	12,078	12,027	11,971	11,903
斯洛文尼亚	9,896.34	9,832.88	9,755.85	9,660.64	9,562.57	9,470.1	9,417.14	9,363.48	9,302.01	9,225.78	9,157.15	9,078.7	9,022.66	8,951.24	8,882.21	8,812.85	8,746.71	8,697.39	8,656.42	8,635.01	8,603.78	8,561.84	8,525.07	8,497.12	8,459.94	8,425.23	8,406.79	8,372.37	8,335.07	8,319.39	8,306.98	8,305.56	8,294.93	8,278.65	8,269	8,262.35	8,261.12
拉脱维亚	5,881	5,824	5,774	5,737	5,691	5,647	5,622	5,556	5,528	5,498	5,448	5,396	5,344	5,281	5,231	5,194	5,152	5,120	5,100	5,080	5,062	5,032	4,996	4,971	4,937	4,905	4,875	4,849	4,829	4,818	4,812	4,818	4,814	4,807	4,788	4,781	4,767
爱沙尼亚	14,063	13,926	13,800	13,683	13,564	13,453	13,369	13,303	13,186	13,089	12,973	12,860	12,767	12,655	12,486	12,375	12,279	12,201	12,131	12,063	11,972	11,882	11,786	11,690	11,603	11,506	11,430	11,352	11,285	11,242	11,210	11,192	11,121	11,062	11,013	10,964	10,908
塞浦路斯	8,764	8,819	8,713	8,664	8,654	8,617	8,591	8,719	8,636	8,606	8,609	8,597	8,596	8,572	8,487	8,466	8,459	8,518	8,509	8,516	8,411	8,392	8,382	8,368	8,385	8,375	8,325	8,328	8,323	8,360	8,363	8,368	8,295	8,290	8,287	8,315	8,326
马耳他	9,791.45	9,708.85	9,633.85	9,565.44	9,493.07	9,419.49	9,352.02	9,252.75	9,177.45	9,092.48	9,007.71	8,937.25	8,875.05	8,808.89	8,744.33	8,679.18	8,633.23	8,579.91	8,495.8	8,423.94	8,374.74	8,318.29	8,249.01	8,194.8	8,134.48	8,071.27	8,024.82	7,969.59	7,914.16	7,851.44	7,780.38	7,711.85	7,664.74	7,601.24	7,541.22	7,513.21	7,465.03
经调整贷款：非MFI（不含政府）1
欧元区	14,567,672.28	14,536,166.97	14,422,639.75	14,366,162.23	14,316,079.07	14,227,794.23	14,200,919.56	14,128,622.11	14,132,588.07	14,042,578.07	13,890,743.6	13,854,080.53	13,884,312.41	13,872,885.5	13,802,988.28	13,790,119.34	13,740,924.1	13,693,887.61	13,648,363.87	13,628,573.04	13,612,548.12	13,588,080.48	13,577,098.7	13,521,995.24	13,541,897.23	13,532,827.78	13,460,349.72	13,459,979.58	13,433,548.48	13,396,488.52	13,379,618.23	13,389,116.19	13,420,181.08	13,372,236.29	13,366,961.52	13,331,913.39	13,397,379.88
经调整贷款：保险公司1
欧元区	143,208.4	138,589.2	138,229.33	137,788.42	136,883.56	137,618.15	136,758.36	127,170.97	126,345.25	123,925.09	123,271.61	122,298.19	123,867.23	130,803.2	125,817.26	124,704.97	120,770.6	120,866.98	120,339.43	116,846.07	121,799.71	124,817.08	118,888.5	118,322.75	118,415.96	117,982.48	118,930.82	123,919.43	124,396.57	120,907.93	119,671.29	115,774.56	120,364.27	123,133.28	119,699.09	112,849.18	120,791.71
经调整贷款：养老基金1
欧元区	6,222.33	7,087.01	6,681	6,445	7,503.18	6,833	6,506.01	4,794.01	4,811.62	5,187.01	4,796.28	4,802	6,808.54	8,822	9,036.01	8,695.25	8,652	6,297.62	8,111.65	5,628.01	6,407.67	5,160.01	5,938.39	5,451.57	6,001	5,583.01	5,626	6,750	5,058.02	4,970.43	5,994.43	5,706.01	6,924.01	5,910	7,331.02	5,071.89	5,130
经调整贷款：非金融企业1
欧元区	5,511,076.22	5,479,417.34	5,442,571.09	5,416,507.03	5,386,833.49	5,345,694.32	5,328,480.55	5,325,089.56	5,303,788.68	5,285,519.5	5,270,799.94	5,266,025.63	5,276,754.52	5,263,039.69	5,231,143.88	5,236,138.58	5,227,684.08	5,203,235.98	5,193,484.24	5,200,081.4	5,173,406.11	5,159,541.58	5,151,314.64	5,139,778.07	5,162,041.36	5,156,002.38	5,136,146.58	5,137,191.57	5,133,610.08	5,120,063.88	5,117,129.51	5,134,231.85	5,138,315.43	5,119,442.26	5,112,625.01	5,116,647.24	5,156,724.88
经调整贷款：住户及NPISH1
欧元区	7,250,909.02	7,225,399.34	7,197,350.88	7,180,262.98	7,176,453.39	7,156,250.97	7,145,234.52	7,115,989.85	7,107,872.81	7,081,146.38	7,068,035.9	7,045,456.29	7,038,451.88	7,024,256.34	6,991,227.98	6,975,918.4	6,958,363.66	6,938,330.53	6,932,517.63	6,934,039.7	6,935,077.65	6,914,756.38	6,904,912.68	6,892,897.24	6,891,198.74	6,887,561.85	6,867,637.52	6,860,534.62	6,858,617.25	6,853,080.43	6,859,502.35	6,871,378.27	6,884,557.62	6,872,349.35	6,873,002.13	6,868,800.18	6,873,297.49
经调整贷款：非MMF投资基金1
欧元区	225,560.15	224,612.88	218,466.88	217,465.55	215,439.53	210,292.37	209,208.38	196,425.62	193,088.47	193,721.4	192,428.04	185,999.13	189,193.96	190,858.91	183,357.93	181,928.98	180,586.05	178,991.77	178,227.05	178,596.09	178,453.56	175,840.51	175,008.96	172,190.74	170,333.09	170,708.91	168,676.18	168,006.28	163,200.1	164,362.68	164,919.76	160,720.44	164,319.46	165,326.2	165,056.74	159,388.6	161,823.3
经调整贷款：其他金融中介1
欧元区	1,430,688.17	1,461,055.18	1,419,342.6	1,407,686.23	1,392,961.9	1,371,100.45	1,374,727.77	1,359,157.09	1,396,685.06	1,353,070.26	1,231,398.61	1,229,489.23	1,249,232.14	1,255,105.19	1,262,415.23	1,262,734.96	1,244,877.62	1,246,161.69	1,215,683.79	1,193,388.6	1,197,402.36	1,207,956.73	1,221,029.51	1,193,354.49	1,193,904.87	1,194,987.89	1,163,332.36	1,163,582.4	1,148,667.26	1,133,103.9	1,112,395.62	1,101,292.83	1,105,689.05	1,086,062.93	1,089,243.24	1,069,148.06	1,079,603.23
经调整贷款：非金融企业（1年以内）1
欧元区	902,235.25	907,652.09	878,183.59	879,590.09	880,518.42	851,492.93	852,102.5	857,209.18	842,541.9	831,099.73	833,917.42	825,672.94	840,538.6	858,084.28	825,595.14	840,627.56	842,191.3	825,420.47	825,029.15	834,358.48	821,291.39	817,384.45	819,249.52	801,458.22	821,857.98	830,404.44	799,355.54	806,266.4	809,015.21	799,707.88	798,995.03	818,921.19	811,462.08	805,699.54	811,075.89	807,512.38	839,795.05
经调整贷款：非金融企业（1至5年）1
欧元区	1,194,090.18	1,176,366.62	1,176,044.16	1,164,851.08	1,156,595.87	1,145,661.44	1,139,239.04	1,140,931.55	1,145,779.5	1,147,261.42	1,143,046.52	1,143,222.96	1,145,668.11	1,132,735.28	1,126,878.68	1,124,354.45	1,127,575.66	1,120,846.49	1,116,211.99	1,115,912.82	1,111,619.68	1,110,087.07	1,106,596.65	1,105,359.66	1,108,274.3	1,102,153.16	1,104,288.34	1,102,505.86	1,102,357.63	1,108,073.08	1,109,752.14	1,108,014.22	1,113,782.67	1,111,447.37	1,104,143.02	1,107,037.4	1,112,777.29
经调整贷款：非金融企业（5年以上）1
欧元区	3,414,750.79	3,395,398.62	3,388,343.34	3,372,065.86	3,349,719.21	3,348,539.95	3,337,139.01	3,326,948.83	3,315,467.28	3,307,158.35	3,293,836	3,297,129.72	3,290,547.81	3,272,220.13	3,278,670.06	3,271,156.57	3,257,917.11	3,256,969.02	3,252,243.1	3,249,810.1	3,240,495.04	3,232,070.06	3,225,468.48	3,232,960.2	3,231,909.08	3,223,444.79	3,232,502.69	3,228,419.31	3,222,237.23	3,212,282.91	3,208,382.34	3,207,296.44	3,213,070.69	3,202,295.36	3,197,406.09	3,202,097.46	3,204,152.54
经调整贷款：住户消费信贷1
欧元区	846,365.02	841,145.43	834,400.72	832,009.57	830,156.65	821,761.41	821,567.06	815,256.89	811,372.49	809,063.42	805,337.12	799,860.15	800,196.17	795,090.61	788,656.34	784,827.06	782,231.47	775,726.29	778,263.32	781,910.09	776,984.07	778,282.43	778,362.42	776,646.8	777,239.16	770,890	770,339.51	767,494.4	764,200.61	759,943.67	761,329.38	762,929.12	763,277.04	762,267.46	760,456.14	758,849.8	759,353.36
经调整贷款：住户住房贷款1
欧元区	5,730,435.68	5,710,032.63	5,691,620.73	5,676,853.88	5,664,041.12	5,650,999.69	5,640,460.1	5,617,435.11	5,600,754.51	5,587,675.37	5,577,612.56	5,560,465.4	5,551,973.06	5,531,391.94	5,514,450.26	5,503,020.92	5,487,462.13	5,474,655.31	5,467,247.37	5,463,904.95	5,455,234.77	5,446,039.76	5,439,041.65	5,429,998.83	5,426,135.3	5,416,021.52	5,406,906.36	5,403,214.32	5,402,332.13	5,399,619.02	5,402,328.84	5,410,014.29	5,409,283.74	5,407,432.69	5,406,415.75	5,400,937.15	5,402,628.79
经调整贷款：住户其他贷款1
欧元区	674,108.32	674,221.28	671,329.43	671,399.53	682,255.62	683,489.87	683,207.36	683,297.84	695,745.81	684,407.59	685,086.21	685,130.75	686,282.65	697,773.79	688,121.38	688,070.42	688,670.06	687,948.93	687,006.94	688,224.67	702,858.81	690,434.18	687,508.61	686,251.61	687,824.28	700,650.32	690,391.65	689,825.9	692,084.51	693,517.74	695,844.13	698,434.86	711,996.85	702,649.19	706,130.23	709,013.22	711,315.34
经调整贷款：其他贷款（个体经营者与合伙企业）1
欧元区	349,544.64	350,228.17	349,874.42	349,845.5	350,603.95	351,650.21	351,472.43	351,643.27	352,335.8	352,842.31	354,108.76	355,087.43	355,295.98	355,754.31	355,952.96	356,603.75	357,110	357,226.14	355,895.37	357,232.13	358,580.35	356,416.48	357,232.8	357,750.26	358,643.83	359,445.28	360,440.43	360,840.56	361,516.19	362,265.52	363,166.24	364,324.93	366,137.4	366,690.87	367,915.16	368,726.82	369,932.71

关于本数据

常见问题

欧元区银行贷款的最新值是多少？: 最新值为5.48万亿欧元（2026年7月）。较2026年6月+0.7%，较上年同期+4.5%。
欧元区银行贷款的数据可追溯至何时？: 本页序列为月度，时间跨度从1997年9月至2026年7月。来源：欧洲央行（ECB Data Portal）。本数据表中的每个序列均可查看全历史图表，并支持下载为CSV或Excel格式。
欧元区银行贷款统计的核心内容是什么？: 该指标衡量欧元区货币金融机构向实体经济提供的信贷余额规模，涵盖非金融企业贷款以及居民家庭的住房贷款与消费信贷。作为货币政策传导的核心渠道，信贷总量的扩张与收缩直接反映了企业投资与居民消费的资金需求。
欧元区银行贷款数据由谁发布，指标经过了哪些调整？: 本数据由欧洲央行（ECB Data Portal）月度发布。为真实反映实体经济的信贷环境，欧洲央行对数据进行了专项调整，剔除了贷款转让出售、资产证券化以及名义现金池等纯财务操作所导致的账面余额波动。
如何解读不同借款主体与成员国之间的贷款走势？: 观察贷款数据需结合用途与期限。在利率政策调整时，住房贷款需求通常先于企业贷款作出反应。此外，虽然欧元区实行统一货币政策，但各成员国在信贷需求与风险溢价上的差异，会导致各成员国间的贷款增速呈现明显分化。