Bank lending and credit · United States
United States Consumer Credit Change
The United States Consumer Credit Change measures how much new credit banks extend, or how fast their loans or deposits grow, in the United States.
- 重要性
- Medium
- 发布时间
- Monthly
- 下次发布
- 货币
- USD · US dollar
- 中央银行
- The Federal Reserve
最新数据
最新一期（SEP）于 2026-11-06 公布，数值为 $27.84B。
| 发布时间 | 期限 | 实际值 | 预期值 | 前值 |
|---|---|---|---|---|
| 6 Nov 2026 | SEP | $27.84B | $12B | $8.28B ® |
| 7 Oct 2026 | AUG | $8.28B | $15B | $17.74B ® |
| 8 Sep 2026 | JUL | $18.06B | $11.7B | $14.56B ® |
| 7 Aug 2026 | JUN | $14.17B | $10.5B | $-1.08B ® |
| 8 Jul 2026 | MAY | $-0.18B | $17.1B | $20.82B ® |
| 5 Jun 2026 | APR | $20.70B | $18B | $22.30B ® |
| 7 May 2026 | MAR | $24.86B | $12.5B | $8.85B ® |
| 7 Apr 2026 | FEB | $9.48B | $10B | $7.67B ® |
| 6 Mar 2026 | JAN | $8.05B | $12B | $25.2B ® |
| 6 Feb 2026 | DEC | $24.05B | $8B | $4.7B ® |
| 8 Jan 2026 | NOV | $4.23B | $10B | $9.24B ® |
| 5 Dec 2025 | OCT | $9.18B | $10.5B | $11.01B ® |
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 US dollar.
- 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.
高于预期：A stronger figure than expected points to a healthier economy: it usually supports the US dollar and local stocks, and can push bond yields up.
低于预期：A weaker figure than expected points to slowing activity: the US dollar tends to soften and markets price in lower rates.
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.
问题
What is the United States Consumer Credit Change?
The United States Consumer Credit Change measures how much new credit banks extend, or how fast their loans or deposits grow, in the United States.
What was the latest United States Consumer Credit Change?
$27.84B for SEP, published on 6 November 2026 (consensus $12B, previous $8.28B).
When is the next United States Consumer Credit Change?
On Monday 7 December 2026 at 20:00 UTC.
仅供学习参考，不构成投资建议。数据为我们日历记录的已发布结果；所述市场反应为典型情况，并无保证。