Dữ Liệu Kinh Tế

Nguồn vốn và sử dụng vốn Trung Quốc

Bảng 金融机构人民币信贷收支表 do Ngân hàng Nhân dân Trung Quốc công bố hằng tháng: toàn bộ nguồn vốn và sử dụng vốn bằng nhân dân tệ của hệ thống tổ chức tài chính, hai vế luôn bằng nhau. Đây là bảng trả lời câu hỏi TIỀN CỦA AI và CHO AI VAY — thứ mà con số tổng dư nợ không nói được. Vế cho vay tách hộ gia đình khỏi doanh nghiệp, rồi trong hộ gia đình lại tách vay TIÊU DÙNG khỏi vay KINH DOANH ở cả kỳ ngắn hạn lẫn trung - dài hạn: chính hai dòng ấy cho thấy hộ gia đình Trung Quốc đang trả bớt nợ vay mua nhà (vay tiêu dùng trung - dài hạn) trong khi vay kinh doanh vẫn tăng — hiện tượng được gọi là "suy thoái bảng cân đối" của khu vực dân cư. Vế nguồn vốn tách tiền gửi hộ gia đình, doanh nghiệp phi tài chính, cơ quan đoàn thể, ngân sách và định chế phi ngân hàng. Chuỗi từ tháng 1/2015, đơn vị tỷ nhân dân tệ. PBOC đổi cách gọi hai lần và bảng này nối lại thành chuỗi liền: tiền gửi cơ quan đoàn thể và tiền gửi ngân sách trước 2019 nằm chung trong "tiền gửi chính phủ", còn cho vay doanh nghiệp trước 2020 mang tên "doanh nghiệp phi tài chính và cơ quan đoàn thể". Chốt kiểm định: tổng nguồn vốn bằng tổng sử dụng vốn ở mọi kỳ, và mỗi khoản mục bằng tổng các cấu phần của nó. Nguồn: Ngân hàng Nhân dân Trung Quốc (调查统计司). Bấm vào tên một chỉ tiêu để thêm vào biểu đồ ở đầu trang.

Nguồn: Ngân hàng Nhân dân Trung Quốc (PBOC)Cập nhật cuối: 15-08-2026 07:31

Chỉ tiêu07-202606-202605-202604-202603-202602-202601-202612-202511-202509-202508-202507-202506-202505-202504-202503-202502-202501-202512-202411-202409-202408-202407-202406-202405-202404-202403-202402-202401-202412-202311-202309-202308-202307-202306-202305-202304-2023
TỔNG NGUỒN VỐN5418.187,42417.471,4416.009,69414.565,92413.486,8409.717,11407.475,58400.845,41399.563,13397.083,84394.985,38393.039,29391.442,75388.430,78386.491,52385.359,57381.117,44397.808,73373.352,32370.932,06367.663,12365.098,06362.534,77361.992,68359.681,85357.687,33356.616,57352.766,13369.341,2345.055,36343.302,98339.687,48336.957,47334.781,31333.738,78330.545,27328.786,81
Tổng số dư tiền gửi2346.470,34346.440,84344.454,74342.680,49342.407,08337.936,98336.769,6328.642,88326.962,69324.938,76322.726,58320.670,28320.173,99316.962,4314.779,34315.223,24310.969,79325.549,2302.253,8303.648,12300.882,27297.142,54294.919,95295.717,25293.259,93291.585,22295.505,42290.699,94301.477,19284.262,33284.175,49281.003,74278.761,08277.499,33278.620,45274.908,53273.446,72
— Tiền gửi trong nước5344.427,37344.387,94342.504,79340.699,97340.444,41336.075,67334.944,66326.773,57325.085,74322.967,48320.805,5318.744,03318.310,4315.141,49312.906,96313.267,37308.869,95323.628,95300.400,18301.820,09299.082,9295.109,1292.825,04293.685,53291.167,31289.523,05293.501,25288.713299.764282.409,26282.167,86279.045,34276.963,91275.733,8276.838,13273.119,62271.744,17
—— Tiền gửi hộ gia đình2172.857,86173.484,01171.539,9171.649,47173.588,95171.151,9168.039,09165.893,46163.308,44163.984,8161.021,17160.911,75162.025,48159.549,41159.079,57160.470,68157.376,15162.635,9151.250,94149.057,9148.843,56146.641,41145.930,02146.261,95144.120,53143.703,66145.545,62142.722,95148.272,92136.989,46135.016,92134.744,92132.217,06131.429,35132.238,66129.565,78129.029,38
——— Không kỳ hạn43.687,444.598,2543.193,3943.531,2945.258,545.064,244.218,8344.094,3242.392,9843.406,1641.619,8541.862,3842.890,9840.832,3640.921,8442.634,3641.568,0842.267,841.365,8439.744,7739.874,2139.149,2739.200,4640.081,1739.015,1638.752,9440.38939.806,9939.362,3339.026,638.003,9838.373,5637.390,0937.501,9138.426,1137.007,637.135,53
——— Có kỳ hạn và khác129.170,46128.885,75128.346,51128.118,19128.330,45126.087,7123.820,27121.799,14120.915,47120.578,64119.401,32119.049,37119.134,5118.717,05118.157,73117.836,32115.808,08120.368,1109.885,1109.313,12108.969,36107.492,15106.729,56106.180,78105.105,37104.950,72105.156,62102.915,96108.910,5997.962,8697.012,9496.371,3794.826,9793.927,4493.812,5592.558,1891.893,85
—— Tiền gửi doanh nghiệp phi tài chính281.994,0683.621,3881.682,9881.846,4283.10180.376,5283.035,0180.559,479.338,7379.774,3178.859,3578.559,6580.019,178.241,3778.659,0279.985,7177.149,1578.693,4178.364,9176.560,5776.546,0575.776,3575.432,6377.212,9776.205,2777.012,4778.881,7776.806,4875.819,1178.775,6278.454,0879.070,6278.873,8577.984,8779.517,0577.452,1877.591,5
——— Không kỳ hạn22.773,824.120,3222.657,8122.480,8324.026,7122.056,7923.706,6722.723,5221.581,3921.406,2120.821,3320.794,222.168,0220.482,820.413,4921.895,9820.058,8521.271,5121.130,3419.661,7419.540,9919.512,4719.919,5621.553,6720.843,9121.888,9324.665,1923.633,9619.210,6424.867,6124.485,2524.513,6824.897,8324.864,8125.940,2724.772,8925.014,01
——— Có kỳ hạn và khác59.220,2659.501,0659.025,1759.365,5959.074,2958.319,7259.328,3457.835,8857.757,3458.368,158.038,0257.765,4557.851,0957.758,5758.245,5358.089,7357.090,357.421,957.234,5856.898,8357.005,0656.263,8855.513,0755.659,3155.361,3755.123,5454.216,5853.172,5256.608,4753.908,0153.968,8254.556,9453.976,0253.120,0653.576,7852.679,2952.577,49
—— Tiền gửi cơ quan, đoàn thể40.651,0240.449,7840.526,3840.304,2340.054,9339.296,4939.668,1839.436,8939.845,8839.219,8739.031,4138.742,0238.647,9138.400,138.285,737.868,7437.227,2339.731,5337.016,637.588,7837.086,3436.752,7736.714,1136.855,8836.494,3136.373,7536.413,4135.609,5337.380,1635.326,135.925,0735.573,1935.334,535.040,1635.123,834.765,4934.346,17
—— Tiền gửi ngân sách nhà nước8.275,887.293,298.230,197.519,116.782,47.520,587.871,526.281,767.666,256.990,657.834,847.645,296.877,667.694,296.810,16.442,857.211,627.712,855.581,227.255,716.518,526.754,326.195,635.550,296.369,65.606,285.508,226.274,367.114,925.793,716.711,845.675,065.887,835.896,594.988,836.038,415.801,47
—— Tiền gửi định chế tài chính phi ngân hàng40.648,5639.539,4840.525,3439.380,7336.917,1337.730,1836.330,8634.602,0634.926,4432.997,8634.058,7432.885,3330.740,2531.256,3230.072,5828.499,429.905,7934.855,2628.186,5231.357,1330.088,4429.184,2628.552,6527.804,4327.977,6126.826,927.152,2427.299,6931.176,8925.524,3726.059,9623.981,5524.650,6625.382,8324.969,825.297,7624.975,65
— Tiền gửi từ nước ngoài2.042,972.052,91.949,951.980,521.962,671.861,321.824,951.869,311.876,961.971,271.921,081.926,241.863,61.820,911.872,381.955,872.099,841.920,251.853,621.828,021.799,362.033,442.094,912.031,722.092,622.062,172.004,171.986,941.713,191.853,072.007,631.958,41.797,171.765,531.782,321.788,911.702,55
Trái phiếu tài chính đã phát hành15.052,7915.209,6615.219,7115.295,6415.411,4415.352,5815.401,7815.596,1615.402,7215.392,9915.46115.461,6615.661,5615.174,8315.190,7315.044,6814.903,6715.375,9415.163,0315.239,9815.213,5115.043,2815.209,7614.922,2514.508,3614.315,9913.991,314.133,3215.036,8513.862,2413.434,613.284,3313.399,7313.375,3213.307,1812.981,8912.697,31
Tiền mặt lưu thông14.820,2914.736,4814.685,4714.747,7414.708,2815.143,6414.613,8614.126,1413.736,9413.581,3413.340,2313.284,4813.182,7213.125,8513.138,713.069,1913.275,6613.547,8112.819,4212.418,0312.18311.947,2611.884,0511.773,6811.706,2711.731,0611.721,0512.100,9912.244,711.344,4611.022,5210.925,3210.651,5410.612,9710.541,9210.475,6710.590,45
Nợ với định chế tài chính quốc tế0,570,560,560,560,50,50,50,50,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,510,5
Nguồn vốn khác41.843,4241.083,8641.649,2141.841,4840.959,541.283,440.689,8442.479,7443.460,2743.170,2543.457,0743.622,3742.423,9743.167,1943.382,2442.021,9441.967,8143.335,2743.115,5639.625,4339.383,8440.964,4940.520,5139.578,9940.206,7840.054,5535.398,2935.831,3740.581,9535.585,8334.669,8734.473,5734.144,6133.293,1831.268,7132.178,6832.051,83
TỔNG SỬ DỤNG VỐN6418.187,42417.471,4416.009,69414.565,92413.486,8409.717,11407.475,58400.845,41399.563,13397.083,84394.985,38393.039,29391.442,75388.430,78386.491,52385.359,57381.117,44397.808,73373.352,32370.932,06367.663,12365.098,06362.534,77361.992,68359.681,85357.687,33356.616,57352.766,13369.341,2345.055,36343.302,98339.687,48336.957,47334.781,31333.738,78330.545,27328.786,81
Tổng dư nợ cho vay2282.289,49282.630,83281.021,17280.501,85280.513,35277.518,13276.618,08271.912,66271.000,73270.390,22269.098,72268.509,98268.559,02266.321,25265.698,74265.413,67261.777,81270.606,72255.677,82254.682,68253.610,83252.016,65251.113,69250.852,65248.726,96247.781,77247.049,28243.960,4254.104,36237.590,54236.419,64234.592,49232.280,66230.922,62230.576,67227.527,14226.164,35
— Cho vay trong nước3279.167,29279.729,24278.103,77277.693,79277.918,14274.935,83274.101,37269.388,03268.484,8268.012,92266.638,77266.126,56266.355,08264.095,77263.447,18263.197,25259.540,73268.090,7253.622,98252.725,43251.868,03250.163,8249.255,09249.130,35247.078,05246.221,16245.625,72242.530,73252.273,9236.290,09235.170,14233.385,64231.031,73229.726,47229.472,34226.425,64225.142,29
—— Cho vay hộ gia đình282.444,3382.904,5682.639,9882.781,1683.568,1383.077,2483.727,9383.271,4383.363,183.932,7383.540,7783.510,583.999,883.402,1283.348,1883.873,2682.884,4183.569,3682.829,7482.472,0282.042,6881.548,5481.352,2581.564,1580.994,2980.918,681.437,0480.494,6582.202,580.092,0979.875,1179.617,1778.752,678.360,478.561,0677.601,5277.234,37
——— Ngắn hạn219.468,3319.808,3519.702,2119.786,2720.232,4120.036,8220.506,0920.396,420.498,6921.001,0120.858,9120.848,4621.231,1920.969,0820.989,8221.391,7520.907,6220.714,4421.182,5821.123,8221.111,7920.841,7720.770,2320.985,7820.738,6920.714,421.066,2120.575,4321.160,8320.703,3620.634,0220.679,8820.358,7920.126,7520.260,2319.766,4619.567,66
———— Vay tiêu dùng ngắn hạn8.655,918.816,868.779,778.803,759.009,139.040,219.421,899.482,719.6029.823,139.825,059.791,449.932,539.872,949.871,979.993,289.8589.729,6210.188,8310.191,3810.069,69.958,559.902,699.983,169.912,029.911,8410.082,969.983,0510.187,7110.354,110.353,8110.306,2610.227,7510.104,7210.147,179.974,769.880,61
———— Vay kinh doanh ngắn hạn10.812,4210.991,4910.922,4410.982,5211.223,2810.996,6111.084,210.913,6910.896,6911.177,8811.033,8611.057,0211.298,6611.096,1411.117,8511.398,4811.049,6210.984,8210.993,7510.932,4411.042,1910.883,2210.867,5411.002,6110.826,6710.802,5610.983,2510.592,3810.973,1210.349,2710.280,2210.373,6210.131,0410.022,0310.113,069.791,79.687,05
——— Trung và dài hạn262.975,9963.096,2162.937,7762.994,963.335,7363.040,4263.221,8462.875,0362.864,4262.931,7362.681,8662.662,0362.768,6162.433,0462.358,3662.481,561.976,862.854,9261.647,1661.348,260.930,960.706,7760.582,0260.578,3860.255,5960.204,2160.370,8359.919,2261.041,6759.388,7359.241,0858.937,2958.393,8158.233,6558.300,8357.835,0757.666,71
———— Vay tiêu dùng trung, dài hạn48.178,7548.294,448.261,4848.366,4348.666,2348.600,2848.819,4848.681,3448.804,1848.902,0948.827,4648.893,0648.974,0548.857,8148.839,2448.914,0348.666,1648.848,548.496,9148.300,3247.909,5147.815,9147.768,347.778,4547.652,2847.710,6647.902,8147.744,8348.022,8847.589,7147.577,3847.419,647.095,2947.089,9247.195,9947.030,0747.033,92
———— Vay kinh doanh trung, dài hạn14.797,2514.801,8114.676,2914.628,4714.669,514.440,1414.402,3714.193,6914.060,2414.029,6413.854,4113.768,9713.794,5613.575,2413.519,1213.567,4713.310,6414.006,4113.150,2513.047,8813.021,3912.890,8612.813,7212.799,9212.603,3112.493,5512.468,0212.174,413.018,7911.799,0211.663,711.517,6911.298,5211.143,7311.104,8410.80510.632,79
—— Cho vay doanh nghiệp và đơn vị sự nghiệp5196.166,16196.295,78194.792,3194.154,87193.766,81191.106,04189.610,44185.165,39184.093,45183.130,87181.913,8181.318,89181.260,67179.496,47178.960,73178.349,12175.511,24183.478,41169.731,77169.248,82168.860,65167.380,22166.532,29166.401,33164.777,17164.032,26163.179,08160.830,69168.996,72155.423,16154.529,57153.191,13151.517,44150.568,6150.330,8148.047,41147.191,59
——— Ngắn hạn51.559,8151.816,9350.993,8150.891,5251.349,1649.870,3249.268,9247.224,3546.857,4446.945,346.232,8546.167,9646.710,7945.558,0545.443,1245.920,4144.482,7146.754,5842.441,9142.455,6642.655,3542.203,6642.385,2842.943,542.267,0442.392,7442.800,3841.816,7842.469,6639.838,8439.906,3339.912,839.343,9639.384,0939.762,5639.019,1938.984,16
——— Trung và dài hạn123.395,76123.618,08123.065,78123.085,19123.493,98122.143,71121.247,95118.072,22117.733,68117.534,6116.631,34116.158,78116.415,11115.409,46115.076,94114.825,82113.249,51117.569,53109.260,61109.220,03108.838,47107.875,05107.388,28107.253,23106.287,47105.786,24105.378,08103.780,53109.008,999.185,3498.331,1597.502,396.248,1895.603,7995.332,6493.733,5792.963,77
——— Chiết khấu giấy tờ có giá17.570,1917.194,6817.080,316.523,2215.283,1215.471,515.506,4316.380,3516.031,6515.194,7115.597,2615.544,1714.673,0615.083,9415.009,414.175,2614.373,8215.695,2514.719,4614.267,9713.978,3513.909,7413.364,6612.806,0212.845,3312.488,0911.648,0511.901,1314.147,7613.150,0113.000,3912.473,5812.623,6212.276,3811.916,711.998,7611.956,76
——— Cho thuê tài chính3.508,043.535,93.518,453.523,253.513,243.494,283.464,443.366,93.346,643.324,33.3183.313,833.328,473.311,783.297,523.290,083.264,983.329,83.171,343.156,163.222,373.225,413.227,533.231,133.208,83.1923.181,383.160,773.202,93.082,393.109,073.107,953.102,423.103,613.116,513.086,623.081
——— Các khoản ứng trước132,36130,2133,96131,7127,32126,23122,7121,58124,04131,97134,35134,15133,24133,25133,75137,55140,22129,24138,44149,01166,1166,37166,53167,45168,55173,19171,19171,47167,5166,57182,63194,49199,26200,73202,39209,27205,89
—— Cho vay định chế tài chính phi ngân hàng556,8528,9671,49757,76583,2752,54763951,221.028,25949,321.184,21.297,181.094,61.197,181.138,27974,881.145,081.042,941.061,471.004,59964,71.235,031.370,561.164,871.306,591.270,31.009,61.205,381.074,69774,84765,47577,35761,69797,47580,49776,71716,33
— Cho vay ra nước ngoài3.122,22.901,592.917,42.808,062.595,212.582,32.516,722.524,632.515,932.377,32.459,952.383,422.203,942.225,482.251,562.216,422.237,072.516,012.054,841.957,251.742,81.852,861.858,61.722,31.648,911.560,611.423,561.429,681.830,461.300,451.249,51.206,851.248,931.196,151.104,331.101,51.022,06
Đầu tư trái phiếu93.393,9492.561,5892.218,3291.523,5890.931,7689.893,3888.623,8186.835,4486.448,9784.832,1383.984,6282.645,7380.995,7280.118,6278.881,7678.233,2677.533,3485.178,774.976,6873.680,6671.427,5170.243,7768.534,8368.261,4767.868,3966.943,9667.148,9866.301,2872.479,9365.424,1465.034,3163.165,6562.189,3861.352,0161.131,0760.601,7260.311,93
Đầu tư cổ phần và đầu tư khác19.803,0919.595,8820.194,6320.063,8419.669,2320.001,3120.005,9819.924,2419.936,8919.553,1919.524,1719.439,919.367,2619.408,619.253,3618.999,5419.033,5419.787,3719.809,0819.646,2419.644,6519.830,7119.840,7519.802,5419.975,8319.834,4519.269,1619.411,1419.801,3319.132,2519.018,0419.277,9119.883,3719.919,1719.449,4119.837,3219.737,25
Vốn chiếm dụng cho vàng504,66487,19474,02464,12456,02450,9449,75448,64447,67445,8444,92443,35441,82440,31438,79437,25435,07446,72428,47422,34419,26419,26419,26419,26419,26419,26418,17415,62419,26405,29401385,53375,04363,33354345,58338,51
Ngoại tệ do Ngân hàng Trung ương nắm giữ21.726,2921.728,2621.630,6921.538,1121.442,5321.376,3921.292,2621.239,1221.241,8421.368,0621.438,221.50921.580,521.651,9321.725,5921.800,1721.866,3321.300,321.991,922.034,4422.096,6522.123,0622.154,9322.189,9722.226,0822.245,0522.268,1722.218,0622.073,322.045,3921.976,3921.809,5121.767,3921.782,4721.773,3721.782,2221.789,51
Tài sản tại định chế tài chính quốc tế469,95467,65470,87474,42473,91477,01485,7485,3487,03494,43494,75491,33498,44490,07493,28475,68471,34488,93468,37465,71464,22464,61471,31466,79465,33462,84462,8459,62463,03457,76453,59456,38461,62441,71454,27451,3445,27
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