2025年一轮覆盖全品类、蔓延全机构的存款"降息潮"席卷而来。5月20日，6家国有大行率先发力，更新 人民币存款利率表，开启新一轮调降。彼时，工商银行、农业银行、中国银行、建设银行、交通银行5 家银行的活期利率下调5个基点，降至0.05%；定期整存整取的短期品种同步调整，3个月、6个月、1年 期、2年期均下调15个基点；长期限品种的调降幅度更大，3年期和5年期均下调25个基点，最终定格在 1.25%和1.3%；邮储银行则在短期品种上略有差异，6个月整存整取利率、1年期整存整取利率调整后分 别为0.86%、0.98%，其余期限利率水平与其他5家国有大行保持一致。 在大行的"领头"之下，"降息潮"传导至股份制银行、城农商行、民营银行等各类中小金融机构。回顾 2023年、2024年的存款利率调整，中小银行多为针对性下调3年期、5年期等长期限存款利率，以此平衡 揽储需求与成本压力，而活期、通知存款、协定存款等短期产品利率多保持稳定；但进入2025年，中小 银行的降息逻辑发生转变，呈现出全品类覆盖的显著特征，短期、长期存款产品利率同步下调成为主 流，有银行存款产品利率最大下调幅度达80个基点。经过多轮调整，一些中小银行 ...

期货行情软件 原油贵金属行情软件 财经日历资讯快递 行情免费看 平安银行存款利率表（自2025年5月21日起执行） | | 期限 | 基准利率 | 挂牌利率 | | --- | --- | --- | --- | | （一）活期存款 | | 0.35 | 0.05 | | （二）定期存款 | | | | | 三个月 | | 1.10 | 0.70 | | 半 年 | | 1.30 | 0.95 | | 一 年 | | 1.50 | 1.15 | | 二 年 | | 2.10 | 1.20 | | 三 年 | | 2.75 | 1.30 | | 五 年 | | - | 1.35 | | （三）零存整取、整存零取、存本取息 | | | | | 一 年 | | 1.10 | 0.65 | | 三 年 | | 1.30 | 0.85 | | 五年 | | - | 0.85 | | （四）定活两便 | | | | | 三个月 | | - | 0.42 | | 半 年 | | - | 0.57 | | 一 年 | | - | 0.69 | | （五）通知存款 | | | | | 一天 | | 0.80 | 0.10 | ...

人民日报海外版北京12月12日电（记者徐佩玉）记者12日从中国人民银行获悉，今年前11个月，我 国人民币贷款增加15.36万亿元，其中企（事）业单位贷款增加14.4万亿元。 中国人民银行数据显示，11月末，我国人民币贷款余额271万亿元，同比增长6.4%。分部门看，前 11个月，我国住户贷款增加5333亿元；企（事）业单位贷款增加14.4万亿元，其中中长期贷款增加8.49 万亿元。 另外，前11个月我国人民币存款增加24.73万亿元。其中，住户存款增加12.06万亿元。 从货币供应看，11月末，我国广义货币（M2）余额336.99万亿元，同比增长8%；狭义货币（M1） 余额112.89万亿元，同比增长4.9%；流通中货币（M0）余额13.74万亿元，同比增长10.6%。 此外，社会融资数据显示，11月末，我国社会融资规模存量为440.07万亿元，同比增长8.5%；前11 个月社会融资规模增量累计为33.39万亿元，比上年同期多3.99万亿元。 ...

Core Insights - The People's Bank of China reported that in the first 11 months of this year, RMB loans increased by 15.36 trillion yuan, with corporate loans accounting for 14.4 trillion yuan [1] - As of the end of November, the total RMB loan balance reached 271 trillion yuan, reflecting a year-on-year growth of 6.4% [1] Loan Breakdown - In the first 11 months, household loans increased by 533.3 billion yuan, while corporate loans rose by 14.4 trillion yuan, with medium to long-term loans contributing 8.49 trillion yuan [1] Money Supply - By the end of November, the broad money supply (M2) stood at 336.99 trillion yuan, showing an 8% year-on-year increase [1] - The narrow money supply (M1) was recorded at 112.89 trillion yuan, with a year-on-year growth of 4.9% [1] - The currency in circulation (M0) reached 13.74 trillion yuan, marking a year-on-year increase of 10.6% [1] Deposit Growth - In the first 11 months, RMB deposits increased by 24.73 trillion yuan, with household deposits rising by 12.06 trillion yuan [1] Social Financing - As of the end of November, the total social financing scale was 440.07 trillion yuan, reflecting a year-on-year growth of 8.5% [1] - The cumulative increase in social financing for the first 11 months was 33.39 trillion yuan, which is 3.99 trillion yuan more than the same period last year [1]

Core Insights - The People's Bank of China reported that the total social financing stock reached 440.07 trillion yuan by the end of November 2025, marking an 8.5% year-on-year increase [1][2] - The total social financing increment for the first eleven months of 2025 was 33.39 trillion yuan, which is 3.99 trillion yuan more than the same period last year [1][4] - The broad money supply (M2) stood at 336.99 trillion yuan at the end of November, reflecting an 8% year-on-year growth [1][5] Social Financing Stock - By the end of November, the stock of social financing was 440.07 trillion yuan, with a year-on-year growth of 8.5% [2] - The breakdown of financing includes: - RMB loans to the real economy: 267.42 trillion yuan, up 6.3% - Foreign currency loans (in RMB equivalent): 1.13 trillion yuan, down 16.5% - Entrusted loans: 11.32 trillion yuan, up 1% - Trust loans: 4.6 trillion yuan, up 7.4% - Undiscounted bank acceptance bills: 2.3 trillion yuan, up 0.4% - Corporate bonds: 34.08 trillion yuan, up 5.6% - Government bonds: 94.24 trillion yuan, up 18.8% - Non-financial corporate domestic stock: 12.14 trillion yuan, up 4% [2] Financing Structure - The structure of financing as of November shows: - RMB loans to the real economy accounted for 60.8% of the total social financing stock, down 1.3 percentage points year-on-year - Foreign currency loans accounted for 0.3%, unchanged year-on-year - Entrusted loans accounted for 2.6%, down 0.2 percentage points - Trust loans accounted for 1%, down 0.1 percentage points - Undiscounted bank acceptance bills accounted for 0.5%, down 0.1 percentage points - Corporate bonds accounted for 7.7%, down 0.3 percentage points - Government bonds accounted for 21.4%, up 1.8 percentage points - Non-financial corporate domestic stock accounted for 2.8%, down 0.1 percentage points [3] Increment in Social Financing - The total increment in social financing for the first eleven months was 33.39 trillion yuan, which is 3.99 trillion yuan more than the previous year [4] - Key components include: - RMB loans to the real economy increased by 14.93 trillion yuan, down 1.28 trillion yuan year-on-year - Foreign currency loans decreased by 1.368 billion yuan, down 1.873 billion yuan year-on-year - Entrusted loans increased by 895 billion yuan, up 1.453 trillion yuan year-on-year - Trust loans increased by 3.003 trillion yuan, down 823 billion yuan year-on-year - Undiscounted bank acceptance bills increased by 1.605 trillion yuan, up 3.568 trillion yuan year-on-year - Corporate bonds net financing was 2.24 trillion yuan, up 3.125 trillion yuan year-on-year - Government bonds net financing was 13.15 trillion yuan, up 3.61 trillion yuan year-on-year - Non-financial corporate domestic stock financing was 420.4 billion yuan, up 178.8 billion yuan year-on-year [4] Money Supply - The broad money supply (M2) was 336.99 trillion yuan at the end of November, with an 8% year-on-year increase [5] - The narrow money supply (M1) was 112.89 trillion yuan, up 4.9% year-on-year - The currency in circulation (M0) was 13.74 trillion yuan, reflecting a 10.6% year-on-year growth - A net cash injection of 917.5 billion yuan occurred in the first eleven months [5] Deposits and Loans - By the end of November, the total deposits (in both domestic and foreign currencies) reached 334.46 trillion yuan, up 8% year-on-year [6] - The RMB deposit balance was 326.96 trillion yuan, up 7.7% year-on-year - In the first eleven months, RMB deposits increased by 24.73 trillion yuan, with household deposits rising by 12.06 trillion yuan [6] - The total loan balance (in both domestic and foreign currencies) was 274.84 trillion yuan, up 6.3% year-on-year [7] - RMB loans increased by 15.36 trillion yuan in the first eleven months, with household loans increasing by 533.3 billion yuan [7] Interbank Market - In November, the weighted average interest rate for interbank RMB market lending was 1.42%, up 0.03 percentage points from the previous month but down 0.13 percentage points year-on-year [9] - The total transaction volume in the interbank RMB market was 187.7 trillion yuan, with an average daily transaction of 9.38 trillion yuan, down 1.2% year-on-year [9] Cross-Border RMB Settlement - In November, the cross-border RMB settlement amount under the current account was 1.49 trillion yuan, with direct investment cross-border RMB settlement amounting to 0.71 trillion yuan [10]

从货币供应看，11月末，我国广义货币(M2)余额336.99万亿元，同比增长8%；狭义货币(M1)余额112.89 万亿元，同比增长4.9%；流通中货币(M0)余额13.74万亿元，同比增长10.6%。 另外，前11个月我国人民币存款增加24.73万亿元。其中，住户存款增加12.06万亿元。 此外，社会融资数据显示，11月末，我国社会融资规模存量为440.07万亿元，同比增长8.5%；前11个月 社会融资规模增量累计为33.39万亿元，比上年同期多3.99万亿元。 新华社北京12月12日电(记者吴雨、任军)中国人民银行12月12日发布金融统计数据显示，今年前11个月 我国人民币贷款增加15.36万亿元，其中企(事)业单位贷款增加14.4万亿元。 中国人民银行数据显示，11月末，我国人民币贷款余额271万亿元，同比增长6.4%。分部门看，前11个 月，我国住户贷款增加5333亿元；企(事)业单位贷款增加14.4万亿元，其中中长期贷款增加8.49万亿 元。 ...

中国人民银行数据显示，11月末，我国人民币贷款余额271万亿元，同比增长6.4%。分部门看，前11个 月，我国住户贷款增加5333亿元；企(事)业单位贷款增加14.4万亿元，其中中长期贷款增加8.49万亿 元。 从货币供应看，11月末，我国广义货币(M2)余额336.99万亿元，同比增长8%；狭义货币(M1)余额112.89 万亿元，同比增长4.9%；流通中货币(M0)余额13.74万亿元，同比增长10.6%。 另外，前11个月我国人民币存款增加24.73万亿元。其中，住户存款增加12.06万亿元。 中国人民银行12月12日发布金融统计数据显示，今年前11个月我国人民币贷款增加15.36万亿元，其中 企(事)业单位贷款增加14.4万亿元。 此外，社会融资数据显示，11月末，我国社会融资规模存量为440.07万亿元，同比增长8.5%；前11个月 社会融资规模增量累计为33.39万亿元，比上年同期多3.99万亿元。 (责任编辑：朱赫) ...

Core Viewpoint - The People's Bank of China released the financial statistics report for November 2025, indicating a steady growth in both RMB and foreign currency deposits, reflecting a robust banking sector and increased savings among households and enterprises [1] Group 1: Deposit Balances - As of the end of November, the total balance of RMB and foreign currency deposits reached 334.46 trillion yuan, marking an 8% year-on-year increase [1] - The balance of RMB deposits stood at 326.96 trillion yuan, with a year-on-year growth of 7.7% [1] Group 2: Monthly Increases - In the first eleven months of the year, RMB deposits increased by 24.73 trillion yuan [1] - Household deposits rose by 12.06 trillion yuan, while non-financial enterprise deposits increased by 1.09 trillion yuan [1] - Fiscal deposits grew by 2.04 trillion yuan, and deposits from non-banking financial institutions increased by 6.74 trillion yuan [1] Group 3: Foreign Currency Deposits - By the end of November, the balance of foreign currency deposits reached 1.06 trillion USD, reflecting a significant year-on-year growth of 28.3% [1] - In the first eleven months, foreign currency deposits increased by 206.7 billion USD [1]

钛媒体App 12月12日消息，央行2025年11月金融数据报告出炉。11月末，M2余额336.99万亿元，同比 增长8%，较上月下降0.2个百分点。M1余额112.89万亿元，同比增长4.9%，较上月下降1.3个百分点。 M0同比增长10.6%。2025年前十一个月社会融资规模增量累计为33.39万亿元，比上年同期多3.99万亿 元；2024年全年社会融资规模增量累计为32.26万亿元。前十一个月人民币存款增加24.73万亿元；人民 币贷款增加15.36万亿元。金融总量合理增长，充分体现适度宽松的货币政策。（央行网站） | 央行• 2025年11月金融统计数据(部分) | | | | --- | --- | --- | | 名称 | 实际 | 前值 | | M0货币供应年率 | 10.6% | 10.6% | | M1货币供应年率 | 4.9%↓ | 6.2% | | M2货币供应年率 | 8%1 | 8.2% | | 1-11月 | | | | 名称 实际 | | | | 新增人民币存款 24.73万亿元 | | | | 新增人民币贷款 15.36万亿元 | | | | 社会融资规模增量 | | 33.3 ...

12月12日，央行发布2025年11月金融统计数据报告，报告显示，前十一个月人民币存款增加24.73万亿元。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法规 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 金融稳定 | 调子 | | | 金融科技 | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反 | | 服务互动 | 政务公开 | 政策解读 | 公告信息 | 图文直播 | 央行研究 | 音频视频 | 市场动态 | lod | | | 网送文告 | 办事大厅 | 在线申报 | 下载中心 | 网上调查 | 意见征集 | 金融知识 | 关 | | | | 2025年12月12日 星期五 我的位置:首页 > 沟通交流 > 新闻 | | | | | | | 一、社会融资规模存量同比增长8.5% 初步统计，2025年11月末社会融资规模存量为440.07万亿元 ...