Hong Kong, China vs Viet Nam: Risk premium on lending

Hong Kong, China
2.7%
in 2025
Viet Nam
2.9%
in 2015
Hong Kong, China rank
57th
Viet Nam rank
55th

Risk premium on lending over time

  • Hong Kong, China
  • Viet Nam
2468199220082025

How they compare

Viet Nam currently reports 2.9% against 2.7% in Hong Kong, China, a difference of 0.2%.

That makes Viet Nam's figure about 1.1 times Hong Kong, China's.

The two have swapped places 3 times across 20 shared years of data; in 1993 it was Viet Nam ahead.

Hong Kong, China ranks 57th and Viet Nam ranks 55th of 86 countries.

Across the 3 decades both report, Hong Kong, China averaged higher in 1 and Viet Nam in 2.

Head to head by decade

Decade Hong Kong, China Viet Nam Difference Ahead
1990s 2.9% 4.0% 1.1% Viet Nam
2000s 4.1% 4.4% 0.3% Viet Nam
2010s 4.9% 3.6% 1.3% Hong Kong, China

Averages of every year both report within each decade.

Frequently asked questions

Which has higher risk premium on lending, Hong Kong, China or Viet Nam?
Viet Nam, at 2.9% against 2.7% in Hong Kong, China as of 2015.
What is the difference in risk premium on lending between Hong Kong, China and Viet Nam?
0.2%, with Viet Nam ahead.
How many years of comparable data are there for Hong Kong, China and Viet Nam?
20 years are reported by both, from 1993 to 2015.
How do Hong Kong, China and Viet Nam rank globally for risk premium on lending?
Hong Kong, China ranks 57th and Viet Nam ranks 55th of 86 countries.
Where does this data come from?
International Financial Statistics database, International Monetary Fund (IMF), published as Risk premium on lending (lending rate minus treasury bill rate, %). Statizoid refreshes it automatically from the source and publishes the full history for both places.

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Hong Kong, China vs Viet Nam: Risk premium on lending. Statizoid, drawing on International Financial Statistics database, International Monetary Fund (IMF). Retrieved 16 September 2026, from https://financial-sector.statizoid.com/compare/risk-premium-on-lending-lending-rate-minus-treasury-bill-rate-percent/hong-kong-sar-china/viet-nam/

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About this data

Indicator
Risk premium on lending (lending rate minus treasury bill rate, %)
Unit
lending rate minus treasury bill rate, %
Source
International Financial Statistics database, International Monetary Fund (IMF)
Licence
CC BY 4.0 (World Bank Open Data)
Coverage
86 places, 2,478 data points, 1960–2025
Last refreshed

Risk premium on lending is the interest rate charged by banks on loans to private sector customers minus the "risk free" treasury bill interest rate at which short-term government securities are issued or traded in the market. In some countries this spread may be negative, indicating that the market considers its best corporate clients to be lower risk than the government. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.