The Central Bank of the Republic of China published third-quarter 2025 lending statistics showing financial institutions’ outstanding RMB loans rose 6.6% year on year to CNY 270.39 trillion, with CNY 14.75 trillion added in the first three quarters. The data show faster expansion in green and inclusive lending than in overall credit, alongside broadly stable real estate lending. Loans in RMB and foreign currencies to non-financial enterprises and institutions totalled CNY 184.3 trillion (+8.2%), including CNY 62.77 trillion in short-term loans and bill financing (+9.3%) and CNY 117.89 trillion in medium- and long-term loans (+7.8%). Medium- and long-term industrial loans reached CNY 26.59 trillion (+9.7%), while RMB inclusive micro and small enterprise loans rose to CNY 36.09 trillion (+12.2%) and green loans in RMB and foreign currencies increased 17.5% from the start of the year to CNY 43.51 trillion; agriculture-related loans grew to CNY 53.4 trillion (+6.8%). RMB real estate loans stood at CNY 52.83 trillion (-0.1%), with property development loans at CNY 13.61 trillion (-1.3%) and personal housing loans at CNY 37.44 trillion (-0.3%). Lending to technology-focused firms included CNY 3.56 trillion to technology-based small and medium-sized enterprises (+22.3%), with a loan access rate of 50.3%, and CNY 18.84 trillion to high and new technology enterprises (+6.9%), with a loan access rate of 57.6%; household loans in RMB and foreign currencies totalled CNY 83.94 trillion (+2.3%). The release notes revisions to the statistical scope for inclusive micro and small loans from October 2024, changes to green loan statistics and recognition standards from 2025 that make the 2025 series not comparable with earlier data, and an adjustment to the rural area statistical boundary from June 2024.

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