United Kingdom BoE Consumer Credit

最新数据

最新一期（SEP）于 2026-10-29 公布，数值为 £1.914B。

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为何重要

Credit is the fuel of spending and investment. Strong lending growth means households and companies are confident and that monetary policy is passing through; a credit slowdown often precedes a slowdown in activity. In China, new loans and total social financing are among the most watched signs of stimulus.

计算方法

Banks report the outstanding stock of loans to the central bank; the release shows the change over the month or the growth from a year earlier.

变化意味着什么

• Rising credit growth supports the growth outlook and the pound sterling.
• A sudden drop in lending can signal tighter bank standards or weak demand.
• Compare with interest rates: credit should slow after hikes; if it does not, more tightening may follow.

简史

Credit cycles were described by economists such as Hyman Minsky; after the 2008 financial crisis regulators began to track credit growth closely as an early warning of booms and busts.

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