2025年10月,中国在面临经济挑战和有待作出政策决定时,主要贷款利率保持不变。 China kept key lending rates unchanged in October 2025 amid economic challenges and pending policy decisions.

中国的关键贷款利率在2025年10月保持稳定,一年贷款利率保持在3.0%,五年利率保持在3.5%,连续五个月没有变化。 China held its key lending rates steady in October 2025, keeping the one-year Loan Prime Rate at 3.0% and the five-year rate at 3.5%, marking the fifth consecutive month of no change. 这一决定符合人们的期望,反映了第四次全体会议前的谨慎政策,第四次全体会议将决定中国的五年发展计划。 The decision, in line with expectations, reflects cautious policy ahead of the Fourth Plenum, which will shape China’s five-year development plan. 尽管房地产行业低迷和中美贸易紧张局势升级带来经济阻力——包括拟议的 100% 关税和出口管制——但官员们推迟了新的刺激措施。 Despite economic headwinds from a property sector slump and escalating U.S.-China trade tensions—including proposed 100% tariffs and export controls—officials have delayed new stimulus. 分析人员仍然预计,由于低通货膨胀和增长疲软,在年终之前可能削减费率或减少准备金需求。 Analysts still expect potential rate cuts or reserve requirement reductions before year-end due to low inflation and weak growth.