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Consumer Credit in China

Publisher Euromonitor International
Published Jan 19, 2026
Length 7 Pages
SKU # EP20807766

Description

Consumer credit outstanding balance values rose in China in 2025, supported by lower borrowing costs following the PBOC’s May loan prime rate cut and by the NFRA’s interest subsidy scheme for personal consumption loans. Growth was concentrated in non-card lending, with auto lending the most dynamic segment as passenger car sales increased and new energy vehicle brands used zero down payment and interest-free loan offers to stimulate uptake. BNPL also expanded but remained largely confined to maj...

Euromonitor International's Consumer Credit in China report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Auto Lending, Card Lending, Durables Lending, Education Lending, Home Lending, Other Personal Lending.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?
* Get a detailed picture of the Consumer Credit market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market’s major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

7 Pages
Consumer Credit in China
Euromonitor International
January 2026
List Of Contents And Tables
CONSUMER CREDIT IN CHINA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Policy support drives auto lending, while card credit remains under pressure
INDUSTRY PERFORMANCE
Growth supported by fiscal policies in 2025
Auto lending posts the fastest growth within non-card lending
BNPL penetration remains limited within the e-commerce space
WHAT’S NEXT?
Consumer credit expansion likely to be limited going forward
Card lending projected to struggle in early forecast period
CATEGORY DATA
Table 1 Consumer Credit: Outstanding Balance by Category: Value 2020-2025
Table 2 Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025
Table 3 Consumer Credit: Gross Lending by Category: Value 2020-2025
Table 4 Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025
Table 5 Forecast Consumer Credit: Outstanding Balance by Category: Value 2025-2030
Table 6 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2025-2030
Table 7 Forecast Consumer Credit: Gross Lending by Category: Value 2025-2030
Table 8 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CONSUMER LENDING IN CHINA
EXECUTIVE SUMMARY
Policy stimulus supports non-card borrowing, while housing remains weak
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Consumer lending sees solid outstanding balance growth in 2025
Mortgages/housing loan continues to decline in 2025
Greater penetration of BNPL within e-commerce space
WHAT’S NEXT?
Lending growth set to slow
Consumers remain unconvinced of need for loans
MARKET DATA
Table 9 Consumer Lending: Outstanding Balance by Category: Value 2020-2025
Table 10 Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025
Table 11 Consumer Lending: Gross Lending by Category: Value 2020-2025
Table 12 Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025
Table 13 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 14 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 15 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 16 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 17 Forecast Consumer Lending: Outstanding Balance by Category: Value 2025-2030
Table 18 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2025-2030
Table 19 Forecast Consumer Lending: Gross Lending by Category: Value 2025-2030
Table 20 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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