Bank lending-deposit spread in China
China: Bank lending-deposit spread was 2.85 in 2020. ▲ Rising
Bank lending-deposit spread in China, 1982–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
In 2020, bank lending-deposit spread in China stood at 2.85.
Compared with earlier readings it is down 6.9% over ten years.
Over the whole period, bank lending-deposit spread in China peaked at 3.6 in 1999 and was at its lowest, 0.36, in 1988.
That places China 97th out of 124 countries with data for 2020, putting it in the bottom quarter.
The long-run direction has been consistently rising across the 36 years of available data.
Bank lending-deposit spread in China, year by year
| Year | Value | Change |
|---|---|---|
| 1982 | 1.44 | — |
| 1983 | 1.44 | +0.0% |
| 1984 | 1.44 | +0.0% |
| 1985 | 0.72 | -50.0% |
| 1986 | 0.72 | +0.0% |
| 1987 | 0.72 | +0.0% |
| 1988 | 0.36 | -50.0% |
| 1990 | 0.72 | +100.0% |
| 1991 | 1.08 | +50.0% |
| 1992 | 1.08 | +0.0% |
| 1995 | 1.08 | +0.0% |
| 1996 | 2.61 | +141.7% |
| 1997 | 2.97 | +13.8% |
| 1998 | 2.61 | -12.1% |
| 1999 | 3.6 | +37.9% |
| 2000 | 3.6 | +0.0% |
| 2001 | 3.6 | +0.0% |
| 2002 | 3.33 | -7.5% |
| 2003 | 3.33 | +0.0% |
| 2004 | 3.33 | +0.0% |
| 2005 | 3.33 | +0.0% |
| 2006 | 3.6 | +8.1% |
| 2007 | 3.33 | -7.5% |
| 2008 | 3.06 | -8.1% |
| 2009 | 3.06 | +0.0% |
| 2010 | 3.06 | +0.0% |
| 2011 | 3.06 | +0.0% |
| 2012 | 3 | -2.0% |
| 2013 | 3 | +0.0% |
| 2014 | 2.85 | -5.0% |
| 2015 | 2.85 | +0.0% |
| 2016 | 2.85 | +0.0% |
| 2017 | 2.85 | +0.0% |
| 2018 | 2.85 | +0.0% |
| 2019 | 2.85 | +0.0% |
| 2020 | 2.85 | +0.0% |
China compared with similar countries
- China's 2.85 is below the median for upper middle income countries, which is 5.5, 52% of the median. (45 countries reporting)
- China's 2.85 is below the median for East Asia & Pacific, which is 4.94, 58% of the median. (25 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 0.9771 | 0.36 | 1.44 | 7 |
| 1990s | 1.97 | 0.72 | 3.6 | 8 |
| 2000s | 3.36 | 3.06 | 3.6 | 10 |
| 2010s | 2.92 | 2.85 | 3.06 | 10 |
| 2020s | 2.85 | 2.85 | 2.85 | 1 |
Countries ranked near China
- 94 Switzerland 3.02 compare
- 95 Philippines 3.01 compare
- 96 Russia 3.01 compare
- 98 South Africa 2.83 compare
- 99 Israel 2.81 compare
- 100 United Kingdom 2.75 compare
More financial sector data for China
- Reserve position in the IMF, US dollar, annual growth rate 14.56 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0006 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 7.95 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 9.09 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0004 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 5.8 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 14.56 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0006 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 7.95 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 9.09 % change on previous year (2025)
Frequently asked questions
- What is bank lending-deposit spread in China?
- Bank lending-deposit spread in China was 2.85 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in China?
- The highest recorded value was 3.6 in 1999.
- What is the lowest bank lending-deposit spread recorded in China?
- The lowest recorded value was 0.36 in 1988.
- How does China rank for bank lending-deposit spread?
- China ranks 97th out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in China?
- Over the last ten years it is down 6.9%. The long-run trend across the full record is rising.
- Where does this China data come from?
- The figures come from International Financial Statistics (IFS), International Monetary Fund (IMF), published as part of Bank lending-deposit spread. Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 36 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
Raw data are from the electronic version of the IMF’s International Financial Statistics. Difference between lending rate and deposit rate. Lending rate is the rate charged by banks on loans to the private sector and deposit interest rate is the rate offered by commercial banks on three-month deposits. IFS line 60P - line 60L.