China Deposit Rate
Deposit interest rate FR.INR.DPST
China's deposit rate was 1.50% in 2025, ranked 75th globally. This represents a 0.0% increase from 2024. Data from World Bank, covering 1980–2025.
Overview
China's deposit rate stood at 1.50% in 2025, a rise of +0.00pp from 2024. Based on recent trends, this figure is projected to reach 1.50% by 2025. China ranked 75th globally.
China’s deposit rate has fallen dramatically over the 46‑year span covered by World Bank data, slipping from an all‑time peak of 11.34% in 1989 to a trough of 1.50% in 2025, the lowest level recorded in the series. The latest figure of 1.50% places China at rank 75 globally, virtually identical to the rates observed in Trinidad and Tobago (1.50%) and slightly below Dominica (1.53%) and Seychelles (1.53%). The steep downward trajectory reflects a prolonged period of monetary easing and abundant liquidity in the banking system, as authorities have sought to stimulate growth amid slowing domestic demand and external pressures. The early 1990s high rate coincided with tighter credit conditions and higher inflation, while the current low rate mirrors a policy environment focused on supporting indebted enterprises and stabilising property markets. If inflationary pressures ease further and economic growth remains subdued, the deposit rate is likely to stay near the current trough, with any upward shift contingent on a decisive tightening of monetary policy.
Data & projection
| Year | Deposit Rate | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 1.50% | - | - |
| 2026* trend | 1.50% | - | - |
| 2025* trend | 1.50% | - | - |
| 2025 | 1.50% | +0.00pp | #75 |
| 2024 | 1.50% | +0.00pp | #16 |
| 2023 | 1.50% | +0.00pp | #24 |
| 2022 | 1.50% | +0.00pp | #32 |
| 2021 | 1.50% | +0.00pp | #40 |
| 2020 | 1.50% | +0.00pp | #34 |
| 2019 | 1.50% | +0.00pp | #28 |
| 2018 | 1.50% | +0.00pp | #32 |
| 2017 | 1.50% | +0.00pp | #35 |
| 2016 | 1.50% | +0.00pp | #34 |
| 2015 | 1.50% | −1.25pp | #32 |
| 2014 | 2.75% | −0.25pp | #60 |
| 2013 | 3.00% | +0.00pp | #53 |
| 2012 | 3.00% | −0.50pp | #45 |
| 2011 | 3.50% | +0.75pp | #61 |
Detected Pattern
Analysis
China matched the Export Boom Cycle pattern in 2013. Historically, 71% of countries showing this pattern (546 out of 768) saw deposit rate improve within 24 months. View full analysis →
Frequently Asked Questions
China's deposit rate was 1.50% in 2025. Ranked 75th globally. This represents a 0.0% increase from the previous year.
China's deposit rate peaked at 11.34% in 1989.
The lowest deposit rate in China was 1.50% in 2015.
China ranks 75th globally in deposit rate as of 2025.
The World Bank indicator code is FR.INR.DPST. Data sourced from World Bank.
China's deposit rate is projected to reach 1.50% by 2025 based on trend extrapolation.
The deposit rate of China in 2025 was 1.50%. This ranks 75th in the world.
Cite this page
@misc{historysaid_china_deposit-rate,
title = {China Deposit Rate},
url = {https://historysaid.com/china/deposit-rate/},
publisher = {HistorySaid},
year = {2026}
}