美国消费信贷余额
美国按类型和持有机构划分的月度消费信贷余额由美联储发布，用于监测居民部门未偿消费贷款的总体规模及机构结构。历史数据以百万美元为单位，最早可追溯至1943年，涵盖各类机构发放的循环与非循环贷款。所有数据均未经季节性调整。
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| 指标 | 08-2026 | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 消费信贷总额7 | 5,162,903.74 | 5,140,220.74 | 5,122,874.12 | 5,106,087.06 | 5,094,900.19 | 5,072,102.06 | 5,067,315.92 | 5,089,485.04 | 5,098,820.82 | 5,064,622.36 | 5,045,722.99 | 5,039,625.83 | 5,025,395.49 | 5,008,375.22 | 4,996,295.44 | 4,999,115.8 | 4,981,018.59 | 4,963,306.99 | 4,915,432.73 | 4,942,759.13 | 4,948,059.37 | 5,049,873.32 | 5,038,819.03 | 5,027,763.15 | 5,023,689.64 | 4,999,032.34 | 4,980,854.45 | 4,976,852.31 | 4,959,609.34 | 4,956,362.95 | 4,972,369.49 | 4,988,048.11 | 4,988,225.92 | 4,979,051.52 | 4,937,828.6 | 4,927,943.9 | 4,917,333.46 | |
| 存款机构 | 2,084,490.99 | 2,078,763.96 | 2,064,920.98 | 2,051,553.5 | 2,040,176.15 | 2,020,113.96 | 2,011,096.25 | 2,030,829.48 | 2,058,361.99 | 2,025,943.48 | 2,007,178.72 | 1,997,551.93 | 1,993,860.87 | 1,987,535.89 | 1,973,619.03 | 1,978,036.6 | 1,963,215.02 | 1,947,340.06 | 1,964,577.5 | 1,984,876.34 | 2,009,529 | 2,116,307.92 | 2,107,095.49 | 2,093,198.03 | 2,096,870.07 | 2,088,947.46 | 2,078,595.07 | 2,075,045.68 | 2,056,611.53 | 2,053,365.98 | 2,067,945.12 | 2,079,130.63 | 2,101,300.94 | 2,099,193.2 | 2,063,679.61 | 2,061,404.97 | 2,062,298.54 | |
| 金融公司 | 697,252.15 | 698,838.21 | 699,596.74 | 700,311.98 | 701,335.77 | 702,883.44 | 705,001.12 | 709,764.22 | 713,593.28 | 712,413.55 | 714,149.77 | 717,046.67 | 722,980.37 | 722,782.95 | 724,834 | 727,993.83 | 730,663.22 | 730,709.91 | 733,875.82 | 738,170.86 | 739,420.57 | 737,066.88 | 737,156.02 | 735,829.55 | 736,026.09 | 734,458.71 | 731,926.37 | 732,652.68 | 731,026.32 | 729,283.26 | 728,108.45 | 728,080.43 | 727,276.28 | 724,206.33 | 721,497.42 | 718,694.81 | 715,924.97 | |
| 信用合作社 | 734,087.54 | 728,620.22 | 724,619.21 | 719,884.06 | 717,848.47 | 716,513 | 719,002.66 | 722,567.34 | 721,261.82 | 721,986.14 | 722,204.86 | 722,102.54 | 721,268.48 | 721,461.1 | 721,946.66 | 720,340.25 | 717,040 | 716,229.85 | 649,374.41 | 650,753.63 | 650,020.42 | 649,599 | 651,585.9 | 652,178.9 | 656,100.08 | 656,451.7 | 654,542.84 | 655,291.07 | 654,457.02 | 654,453.86 | 657,680.88 | 660,670.64 | 662,595.09 | 662,285.48 | 663,518.33 | 661,434.2 | 659,641.64 | |
| 联邦政府 | 1,621,481.23 | 1,608,328.48 | 1,607,870.74 | 1,608,322.15 | 1,609,568.53 | 1,606,668.48 | 1,605,849.26 | 1,599,454.73 | 1,578,035.94 | 1,574,803.45 | 1,572,751.63 | 1,573,310.16 | 1,556,885.09 | 1,546,074.29 | 1,545,278.43 | 1,542,520.79 | 1,540,289.24 | 1,539,518.38 | 1,537,563.84 | 1,538,342.69 | 1,517,974.18 | 1,515,654.7 | 1,512,333.15 | 1,515,690.85 | 1,503,708.7 | 1,488,279.26 | 1,484,905.9 | 1,483,347.56 | 1,486,783.13 | 1,488,624.63 | 1,486,585.54 | 1,486,602.05 | 1,462,189.99 | 1,462,359.6 | 1,462,000.28 | 1,463,066.99 | 1,456,889.27 | |
| 非营利及教育机构 | 10,148.85 | 10,226.89 | 10,423.47 | 10,731.62 | 10,893.2 | 11,029.62 | 11,166.92 | 11,379.9 | 11,757.74 | 13,642.62 | 13,582.55 | 13,736.09 | 14,502.46 | 14,602.41 | 14,703.68 | 14,796.76 | 14,911.95 | 15,075.51 | 15,194.59 | 15,354.66 | 15,405.35 | 15,423.27 | 14,728.38 | 14,862.56 | 15,256.01 | 15,469.51 | 15,779.4 | 15,997.72 | 16,839.01 | 17,251.62 | 17,645.14 | 18,114.98 | 18,600.32 | 18,805.87 | 19,156.58 | 19,501.77 | 19,163.68 | |
| 循环信贷（信用卡）3 | 1,315,227.9 | 1,316,126.24 | 1,308,976.26 | 1,300,366.68 | 1,291,738.06 | 1,277,418.83 | 1,274,128.11 | 1,294,021.83 | 1,324,322.34 | 1,292,555.88 | 1,275,195.05 | 1,267,412.84 | 1,271,125.56 | 1,269,277.51 | 1,256,299.75 | 1,252,391.31 | 1,240,961.06 | 1,232,039.16 | 1,251,281.71 | 1,269,963.6 | 1,296,965.62 | 1,319,582.83 | 1,310,772.01 | 1,298,033.28 | 1,303,776.26 | 1,296,770.04 | 1,286,627.26 | 1,283,829.64 | 1,264,343.41 | 1,259,721.51 | 1,265,950.8 | 1,275,735.17 | 1,298,865.89 | 1,280,589.02 | 1,241,195.94 | 1,234,669.35 | 1,236,073.62 | |
| 存款机构 | 1,211,069.25 | 1,212,458.52 | 1,206,019.98 | 1,198,260 | 1,189,734.65 | 1,175,755.95 | 1,171,547.32 | 1,189,142.02 | 1,219,735.01 | 1,189,533.73 | 1,172,768.84 | 1,165,396.96 | 1,169,323.59 | 1,167,378.55 | 1,154,674.03 | 1,151,101.79 | 1,139,778.77 | 1,130,843.06 | 1,148,632.76 | 1,165,641.09 | 1,192,917.03 | 1,217,123.42 | 1,208,507.96 | 1,196,161.02 | 1,201,764.8 | 1,194,765.96 | 1,185,074.04 | 1,182,667.19 | 1,163,638.07 | 1,159,146.98 | 1,165,010 | 1,173,211.31 | 1,195,397.96 | 1,178,790.4 | 1,140,222.66 | 1,134,953.97 | 1,136,175.86 | |
| 金融公司 | 15,343.35 | 15,337.61 | 15,302.55 | 15,301.52 | 15,272.19 | 15,177.66 | 15,499.07 | 15,881.62 | 16,295.59 | 16,057.21 | 15,821.77 | 15,582.47 | 15,809.63 | 15,983.02 | 16,116.11 | 16,375.3 | 16,599.11 | 16,828.64 | 17,288.51 | 17,774.55 | 18,294.53 | 18,283.52 | 18,272.64 | 18,261.82 | 18,513.1 | 18,744.48 | 18,967.02 | 19,098.76 | 19,154.24 | 19,173.82 | 19,675.22 | 20,244.53 | 20,847.26 | 20,707.62 | 20,599.72 | 20,416.75 | 20,551.67 | |
| 信用合作社 | 88,815.3 | 88,330.11 | 87,653.73 | 86,805.15 | 86,731.22 | 86,485.22 | 87,081.71 | 88,998.18 | 88,291.75 | 86,964.94 | 86,604.43 | 86,433.41 | 85,992.35 | 85,915.93 | 85,508.41 | 84,888.84 | 84,531.57 | 84,291.51 | 85,279.99 | 86,464.4 | 85,667.1 | 84,086.86 | 83,900.43 | 83,517.4 | 83,402.75 | 83,161.3 | 82,485.16 | 81,959.4 | 81,443.4 | 81,289.64 | 81,149.81 | 82,159.09 | 82,495.82 | 80,963.97 | 80,244.58 | 79,167.77 | 79,215.42 | |
| 非循环信贷7 | 3,847,675.84 | 3,824,094.5 | 3,813,897.86 | 3,805,720.39 | 3,803,162.13 | 3,794,683.23 | 3,793,187.81 | 3,795,463.22 | 3,774,498.48 | 3,772,066.49 | 3,770,527.94 | 3,772,212.99 | 3,754,269.93 | 3,739,097.71 | 3,739,995.69 | 3,746,724.49 | 3,740,057.54 | 3,731,267.83 | 3,664,151.02 | 3,672,795.54 | 3,651,093.75 | 3,730,290.5 | 3,728,047.03 | 3,729,729.87 | 3,719,913.38 | 3,702,262.3 | 3,694,227.19 | 3,693,022.67 | 3,695,265.93 | 3,696,641.44 | 3,706,418.7 | 3,712,312.95 | 3,689,360.03 | 3,698,462.5 | 3,696,632.67 | 3,693,274.55 | 3,681,259.84 | |
| 存款机构 | 873,421.74 | 866,305.44 | 858,901 | 853,293.5 | 850,441.5 | 844,358.01 | 839,548.92 | 841,687.46 | 838,626.99 | 836,409.74 | 834,409.87 | 832,154.97 | 824,537.28 | 820,157.34 | 818,945 | 826,934.81 | 823,436.26 | 816,497 | 815,944.73 | 819,235.25 | 816,611.97 | 899,184.5 | 898,587.53 | 897,037.01 | 895,105.26 | 894,181.5 | 893,521.03 | 892,378.49 | 892,973.46 | 894,219 | 902,935.12 | 905,919.32 | 905,902.99 | 920,402.8 | 923,456.94 | 926,451 | 926,122.69 | |
| 金融公司 | 681,908.8 | 683,500.6 | 684,294.19 | 685,010.46 | 686,063.58 | 687,705.78 | 689,502.05 | 693,882.6 | 697,297.69 | 696,356.34 | 698,328 | 701,464.2 | 707,170.74 | 706,799.93 | 708,717.89 | 711,618.53 | 714,064.11 | 713,881.27 | 716,587.31 | 720,396.32 | 721,126.04 | 718,783.36 | 718,883.38 | 717,567.73 | 717,512.99 | 715,714.23 | 712,959.35 | 713,553.92 | 711,872.07 | 710,109.44 | 708,433.23 | 707,835.9 | 706,429.02 | 703,498.71 | 700,897.71 | 698,278.06 | 695,373.31 | |
| 信用合作社 | 645,272.24 | 640,290.12 | 636,965.48 | 633,078.91 | 631,117.25 | 630,027.79 | 631,920.94 | 633,569.16 | 632,970.07 | 635,021.2 | 635,600.43 | 635,669.13 | 635,276.13 | 635,545.17 | 636,438.26 | 635,451.42 | 632,508.43 | 631,938.33 | 564,094.42 | 564,289.23 | 564,353.32 | 565,512.14 | 567,685.47 | 568,661.49 | 572,697.34 | 573,290.41 | 572,057.67 | 573,331.67 | 573,013.62 | 573,164.22 | 576,531.07 | 578,511.54 | 580,099.27 | 581,321.5 | 583,273.75 | 582,266.43 | 580,426.21 | |
| 联邦政府 | 1,621,481.23 | 1,608,328.48 | 1,607,870.74 | 1,608,322.15 | 1,609,568.53 | 1,606,668.48 | 1,605,849.26 | 1,599,454.73 | 1,578,035.94 | 1,574,803.45 | 1,572,751.63 | 1,573,310.16 | 1,556,885.09 | 1,546,074.29 | 1,545,278.43 | 1,542,520.79 | 1,540,289.24 | 1,539,518.38 | 1,537,563.84 | 1,538,342.69 | 1,517,974.18 | 1,515,654.7 | 1,512,333.15 | 1,515,690.85 | 1,503,708.7 | 1,488,279.26 | 1,484,905.9 | 1,483,347.56 | 1,486,783.13 | 1,488,624.63 | 1,486,585.54 | 1,486,602.05 | 1,462,189.99 | 1,462,359.6 | 1,462,000.28 | 1,463,066.99 | 1,456,889.27 | |
| 非营利及教育机构 | 10,148.85 | 10,226.89 | 10,423.47 | 10,731.62 | 10,893.2 | 11,029.62 | 11,166.92 | 11,379.9 | 11,757.74 | 13,642.62 | 13,582.55 | 13,736.09 | 14,502.46 | 14,602.41 | 14,703.68 | 14,796.76 | 14,911.95 | 15,075.51 | 15,194.59 | 15,354.66 | 15,405.35 | 15,423.27 | 14,728.38 | 14,862.56 | 15,256.01 | 15,469.51 | 15,779.4 | 15,997.72 | 16,839.01 | 17,251.62 | 17,645.14 | 18,114.98 | 18,600.32 | 18,805.87 | 19,156.58 | 19,501.77 | 19,163.68 | |
| 其中：学生贷款 | 1,861,849.37 | 1,862,697.6 | 1,834,690.1 | 1,832,977.45 | 1,802,607.02 | 1,805,464.6 | 1,778,376.73 | 1,772,891.41 | 1,741,137.84 | 1,753,333.67 | 1,729,139.14 | 1,732,575.35 | ||||||||||||||||||||||||||
| 其中：汽车贷款 | 1,574,630.04 | 1,559,740.62 | 1,562,179.54 | 1,560,732.93 | 1,560,787.62 | 1,555,165.59 | 1,564,316.81 | 1,562,252.41 | 1,557,390.77 | 1,550,274.04 | 1,550,726.63 | 1,547,708.47 | ||||||||||||||||||||||||||
| 季调2 | ||||||||||||||||||||||||||||||||||||||
| 消费信贷总额 | 5,196,778.44 | 5,188,497.83 | 5,170,757.74 | 5,155,421.48 | 5,152,527.91 | 5,131,428.77 | 5,110,390.78 | 5,103,212.46 | 5,098,820.82 | 5,083,079.45 | 5,079,764.65 | 5,071,963.3 | 5,059,270.19 | 5,056,652.31 | 5,044,179.05 | 5,048,450.21 | 5,038,646.32 | 5,022,633.7 | 4,958,507.58 | 4,956,486.55 | 4,948,059.37 | 5,066,243.61 | 5,071,852.9 | 5,058,345.12 | 5,055,767.38 | 5,046,177.03 | 5,026,364.84 | 5,024,841.22 | 5,016,163.86 | 5,014,899.7 | 5,015,270.95 | 5,002,466.54 | 4,988,225.92 | 4,993,202.32 | 4,969,075.88 | 4,955,832.26 | 4,946,748.73 | |
| 循环信贷（信用卡） | 1,352,414 | 1,357,200.7 | 1,354,418.69 | 1,347,697.77 | 1,349,906.26 | 1,338,182.22 | 1,327,120.87 | 1,326,040.46 | 1,324,322.34 | 1,316,336.21 | 1,317,077.74 | 1,312,713.48 | 1,308,311.66 | 1,310,351.97 | 1,301,742.19 | 1,299,722.4 | 1,299,129.25 | 1,292,802.55 | 1,304,274.47 | 1,301,982.23 | 1,296,965.62 | 1,342,090.49 | 1,352,433.61 | 1,342,480.89 | 1,340,184.49 | 1,337,484.66 | 1,330,878.94 | 1,331,284.5 | 1,322,883.53 | 1,320,920.6 | 1,319,462.37 | 1,308,351.47 | 1,298,865.89 | 1,301,585.93 | 1,282,359.38 | 1,277,927.44 | 1,271,810.03 |
最新值
本页序列为月度，时间跨度从1943年1月至2026年8月。来源：圣路易斯联邦储备银行（FRED）。
常见问题
- 美国消费信贷余额的最新值是多少？
- 消费信贷总额在2026年8月为5.16万亿美元。较2026年7月+0.4%，较上年同期+2.7%。
- 美国消费信贷余额当前处于高位还是低位？
- 读数5.16万亿美元为自1943年1月有数据以来的最高水平。
- 美国消费信贷余额的数据可追溯至何时？
- 本页序列为月度，时间跨度从1943年1月至2026年8月。来源：圣路易斯联邦储备银行（FRED）。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。
- 美国消费信贷余额表衡量的是什么？
- 该表追踪美国发放的消费信贷总规模，并按循环信贷、非循环信贷等贷款类型以及持有机构进行分类。
- 美国消费信贷余额数据多久发布一次？
- 该表由美联储按月更新，历史序列可追溯至1943年，用于持续分析美国消费者债务状况。
- 该消费信贷表提供哪些具体分类？
- 该表按信贷类型细分，区分信用卡等循环信贷与非循环分期贷款；同时按持有机构细分，包括存款机构、金融公司、信用社及联邦政府。
- 应如何理解美国消费信贷余额数据？
- 该数据代表美联储报告的未偿还余额总额（单位为百万美元）。该系列未经季节调整，反映了美国各部门持有的原始信贷规模。