China September 2025 Five-Year Loan Prime Rate: 3.5%

On September 22, 2025, the People’s Bank of China announced the country’s five-year Loan Prime Rate (LPR), effective through October 20. The published rate is 3.5%. No forecast was provided; the previous reference value was also 3.5%.Data Definition: China’s five-year Loan Prime Rate (LPR) is published by the National Interbank Funding Center under authorization from the People’s Bank of China. It reflects the lending rate offered by commercial banks to their most creditworthy clients. The LPR aims to advance market-oriented lending rate reforms, increase transparency, and allow rates to respond directly to market supply, demand, and interest rate fluctuations.This data is classified as having medium importance (level 2). The rate is calculated based on quotations from designated banks, which add a spread to the open market operations rate; the National Interbank Funding Center then computes the average. The LPR serves as a benchmark for bank loan pricing. It is released monthly on the 20th, with the next update scheduled for November 20, 2025.

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