China Deposit Interest Rate
Average rate paid by banks on deposits.
Deposit Interest Rate in China was unchanged at 1.50 percent in 2024.
China Deposit Interest Rate — History
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China Deposit Interest Rate — analysis in simple words
Latest reading
Deposit Interest Rate in China was unchanged at 1.50 percent in 2024.
It has been unchanged over the last three years.
Recent trend
A year earlier (2023) it was 1.50%, so the latest figure is 0.00 percentage points the same.
Over the past five years the average was 1.50%, with a range from 1.50% to 1.50%. The latest value is equal to that five-year average.
Historical context
This data series starts in 1980 and has 45 annual observations. The latest reading is higher than 0% of all of them.
The highest value on record is 11.34% (1989) and the lowest is 1.50% (2015). The long-run average is 4.44%.
Compared with other countries
Among 119 economies with recent data, China ranks 95th from the top. The median across all these economies is 3.90%, so China is below the typical country.
Among 9 major economies tracked on this site it ranks 7th.
Within East Asia & Pacific (24 economies with data) it ranks 13th; the regional median is 1.50%.
Statistics
- Latest
- 1.50%2024
- Previous
- 1.50%
- 5-year average
- 1.50%
- Long-run average
- 4.44%since 1980
- All-time high
- 11.34%1989
- All-time low
- 1.50%2015
- Observations
- 45Annual
Recent Data
| Period | Value | Change |
|---|---|---|
| 2024 | 1.50% | ■ 0.00 pp |
| 2023 | 1.50% | ■ 0.00 pp |
| 2022 | 1.50% | ■ 0.00 pp |
| 2021 | 1.50% | ■ 0.00 pp |
| 2020 | 1.50% | ■ 0.00 pp |
| 2019 | 1.50% | ■ 0.00 pp |
| 2018 | 1.50% | ■ 0.00 pp |
| 2017 | 1.50% | ■ 0.00 pp |
| 2016 | 1.50% | ■ 0.00 pp |
| 2015 | 1.50% | ▼ −1.25 pp |
| 2014 | 2.75% | ▼ −0.25 pp |
| 2013 | 3.00% | ■ 0.00 pp |
| 2012 | 3.00% | ▼ −0.50 pp |
| 2011 | 3.50% | ▲ +0.75 pp |
| 2010 | 2.75% | ▲ +0.50 pp |
| 2009 | 2.25% | ■ 0.00 pp |
| 2008 | 2.25% | ▼ −1.89 pp |
| 2007 | 4.14% | ▲ +1.62 pp |
| 2006 | 2.52% | ▲ +0.27 pp |
| 2005 | 2.25% | ■ 0.00 pp |
| 2004 | 2.25% | ▲ +0.27 pp |
| 2003 | 1.98% | ■ 0.00 pp |
| 2002 | 1.98% | ▼ −0.27 pp |
| 2001 | 2.25% | ■ 0.00 pp |
| 2000 | 2.25% | ■ 0.00 pp |
| 1999 | 2.25% | ▼ −1.53 pp |
| 1998 | 3.78% | ▼ −1.89 pp |
| 1997 | 5.67% | ▼ −1.80 pp |
| 1996 | 7.47% | ▼ −3.51 pp |
| 1995 | 10.98% |
Deposit Interest Rate — China vs Peers
Latest available reading for each economy (periods may differ). China highlighted.
More China indicators
Understanding Deposit Interest Rate — a simple guide
What it measures
The average rate banks pay on deposits.
How it is calculated
Average rate paid by banks on deposits.
A 6% deposit rate pays ₹6,000 a year on ₹1 lakh.
Higher deposit rates reward saving.
Low deposit rates (especially below inflation) reduce real returns for savers.
Why it matters for the economy and markets
Deposit rates affect household savings incentives and banks’ funding costs.
How to read it
Compare with inflation to see whether savers earn a positive real return.
Data source
World Bank — World Development Indicators (series FR.INR.DPST), annual data from 1980 to 2024. Values are shown exactly as published by the source and may be revised later.
How to use the chart
Use the 5Y / 10Y / 25Y / Max buttons to change the time range, or drag the slider under the chart. Hover (or tap) on the line to see the exact value for any period. Dashed lines and hatched bars are IMF projections, not actual data. The “Download CSV” button gives you the full data series.
Frequently asked questions
What is the current deposit interest rate of China?
What is the highest and lowest deposit interest rate of China?
What does deposit interest rate measure?
Data are sourced from official international organisations (IMF, World Bank, BIS) and national authorities, and are shown for educational and informational purposes only. They are not investment advice and no recommendation is made. Figures may be revised by the source; IMF figures for the current and future years are projections. This page was last updated on Saturday, October 17, 2026.