Consumer Credit in China

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.

This 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.