Bank Interest Rate Spread Statistics in China (2026)
In 2024, the bank interest rate spread in China stood at 2.9 percentage points, according to World Bank World Development Indicators data. Essentially no change from 2.9 percentage points in 2023 to 2.9 percentage points in 2024. China ranks #3 of 20 economies in East Asia & Pacific on this measure, and #17 of 105 globally.
Key Statistics
- Latest value (2024)
- 2.9 percentage points (2024)
- Bank Interest Rate Spread in China as of 2024, the most recent observation in World Bank World Development Indicators data.
- Change since 2023
- 0 pp (2024)
- Essentially no change from 2.9 percentage points in 2023 to 2.9 percentage points in 2024.
- Earliest value in this dataset (1990)
- 0.7 percentage points (1990)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 0.7 percentage points in 1990 to 2.9 percentage points in 2024.
- Peak value (1999)
- 3.6 percentage points (1999)
- Highest value in the available series; the 2024 value is 2.9 percentage points.
- Rank in East Asia & Pacific (lower is better; rank 1 = lowest)
- #3 of 20 (2024)
- China ranks 3 of 20 countries in East Asia & Pacific with data, based on each country's latest value. Ranked ascending because lower values are better for this metric.
- Global rank (lower is better; rank 1 = lowest)
- #17 of 105 (2024)
- China ranks 17 of 105 countries with data globally. Ranked ascending because lower values are better for this metric.
- East Asia & Pacific average
- 5.8 percentage points (2024)
- China (2.9 percentage points) is below the average of 5.8 percentage points across the 20 countries in East Asia & Pacific with data.
- Lending interest rate (%) (2024)
- 4.4% (2024)
- Related indicator from World Bank World Development Indicators.
- Deposit interest rate (%) (2024)
- 1.5% (2024)
- Related indicator from World Bank World Development Indicators.
- Internet use in China (2025)
- 91.6% (2025)
- 91.6% of the population in China used the internet in 2025 (World Bank); shown for context only.
- Population (2024)
- 1.4 billion (2024)
- China had a population of 1.4 billion in 2024 (World Bank); shown for scale only.
Trend, 1990–2024
| Year | percentage points | Change |
|---|---|---|
| 2024 | 2.9 | +0.0% |
| 2023 | 2.9 | +0.0% |
| 2022 | 2.9 | +0.0% |
| 2021 | 2.9 | +0.0% |
| 2020 | 2.9 | +0.0% |
| 2019 | 2.9 | +0.0% |
| 2018 | 2.9 | +0.0% |
| 2017 | 2.9 | +0.0% |
| 2016 | 2.9 | +0.0% |
| 2015 | 2.9 | +0.0% |
| 2014 | 2.9 | −5.0% |
| 2013 | 3 | +0.0% |
| 2012 | 3 | −2.0% |
| 2011 | 3.1 | +0.0% |
| 2010 | 3.1 | +0.0% |
| 2009 | 3.1 | +0.0% |
| 2008 | 3.1 | −8.1% |
| 2007 | 3.3 | −7.5% |
| 2006 | 3.6 | +8.1% |
| 2005 | 3.3 | +0.0% |
| 2004 | 3.3 | +0.0% |
| 2003 | 3.3 | +0.0% |
| 2002 | 3.3 | −7.5% |
| 2001 | 3.6 | +0.0% |
| 2000 | 3.6 | +0.0% |
| 1999 | 3.6 | +37.9% |
| 1998 | 2.6 | −12.1% |
| 1997 | 3 | +13.8% |
| 1996 | 2.6 | +141.7% |
| 1995 | 1.1 | — |
| 1994 | 0 | — |
| 1993 | 0 | −100.0% |
| 1992 | 1.1 | +0.0% |
| 1991 | 1.1 | +50.0% |
| 1990 | 0.7 | — |
Frequently asked questions
What is the latest figure for bank interest rate spread in China?
The bank interest rate spread in China stood at 2.9 percentage points in 2024, according to World Bank World Development Indicators data.
When did bank interest rate spread in China peak?
The highest value in the available series was 3.6 percentage points in 1999; the latest (2024) value is 2.9 percentage points.
How recent is the bank interest rate spread data for China?
The most recent observation is from 2024. World Bank World Development Indicators data is reported with a lag, so 2024 is the latest available year for China.
Where does the bank interest rate spread data for China come from?
The data comes from the World Bank World Development Indicators (indicator FR.INR.LNDP). The latest observation for China is from 2024; the snapshot was retrieved on 2026-06-10.
Source & methodology
Source: World Bank, World Development Indicators, indicator
FR.INR.LNDP, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .