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commerce
shāng yè
商业
·HSK 5

China
Zhōngguó
中国
April
4 yuè
4月
newly added / net new
xīnzēng
新增
loans
dàikuǎn
贷款
unexpectedly
yìwài
意外
to turn negative / to contract
zhuǎn fù
转负
，
credit
xìndài
信贷
demand
xūqiú
需求
sluggish / depressed
dīmí
低迷
。

China
Zhōngguó
中国
April
4 yuè
4月
newly added / net new
xīnzēng
新增
Chinese yuan (currency)
rénmínbì
人民币
loans
dàikuǎn
贷款
unexpectedly
yìwài
意外
to shrink / to contract
wěisuō
萎缩
to / reaching
zhì
至
negative 10 billion yuan
fù 100 yì yuán
负100亿元
，
far below
yuǎn dīyú
远低于
market
shìchǎng
市场
expectations / forecast
yùqī
预期
structural particle
de
的
positive 300 billion yuan
zhèng 3000 yì yuán
正3000亿元
。

May 16, 2026 at 3:00 AM

China
Zhōngguó
中国
central bank
yāngháng
央行
May 14
5 yuè 14 rì
5月14日
to publish / to release
gōngbù
公布
structural particle
de
的
data / figures
shùjù
数据
to show / to indicate
xiǎnshì
显示
，
April
4 yuè
4月
newly added / net new
xīnzēng
新增
Chinese yuan
rénmínbì
人民币
loans
dàikuǎn
贷款
unexpectedly
yìwài
意外
to shrink / to contract
wěisuō
萎缩
to / reaching
zhì
至
negative 10 billion yuan
fù 100 yì yuán
负100亿元
。
this is
zhèshì
这是
since / from
zì
自
2025
2025 nián
2025年
July
7 yuè
7月
since (a point in time)
yǐlái
以来
for the first time
shǒucì
首次
to appear / to occur
chūxiàn
出现
structural particle
de
的
monthly
yuèdù
月度
credit
xìndài
信贷
contraction / shrinkage
shōusuō
收缩
。
by comparison / in contrast
xiāng bǐ zhī xià
相比之下
，
March
3 yuè
3月
newly added / net new
xīnzēng
新增
loans
dàikuǎn
贷款
as high as / reaching
gāodá
高达
2.99 trillion yuan
29900 yì yuán
29900亿元
，
reversal / turnaround
nìzhuǎn
逆转
magnitude / scale
fúdù
幅度
of such magnitude
zhī dà
之大
to cause / to make
lìng
令
market
shìchǎng
市场
to feel / to sense
gǎndào
感到
shocked / astonished
zhènjīng
震惊
。
residents / households
jūmín
居民
sector / segment
bùmén
部门
loans
dàikuǎn
贷款
to decrease / to decline
jiǎnshǎo
减少
786.9 billion yuan
7869 yì yuán
7869亿元
，
among which / of which
qízhōng
其中
medium- and long-term
zhōng cháng qī
中长期
loans
dàikuǎn
贷款
namely / including
jí
即
housing / residential
zhùfáng
住房
mortgage loans
ànjié
按揭
to fall / to decrease
下降
341 billion yuan
3410 yì yuán
3410亿元
。
enterprise / corporate
qǐyè
企业
loans
dàikuǎn
贷款
likewise / similarly
tóngyàng
同样
significantly / by a large margin
dàfú
大幅
to shrink / to contract
wěisuō
萎缩
，
from
cóng
从
March
3 yuè
3月
structural particle
de
的
2.66 trillion yuan
26600 yì yuán
26600亿元
to plunge to / to plummet to
zhòujiàng zhì
骤降至
390 billion yuan
3900 yì yuán
3900亿元
。
analysts / market observers
fēnxī rénshì
分析人士
to point out / to note
zhǐchū
指出
，
domestic
guónèi
国内
credit
xìndài
信贷
demand
xūqiú
需求
to continue / persistently
chíxù
持续
sluggish / depressed
dīmí
低迷
，
to reflect / to be indicative of
zhéshè chū
折射出
property market / real estate market
lóushì
楼市
long-term
chángqī
长期
downturn / decline
xiàxíng
下行
and / with
yǔ
与
residents / households
jūmín
居民
consumption / spending
xiāofèi
消费
confidence
xìnxīn
信心
insufficient / lacking
bùzú
不足
and so on / etcetera
děng
等
underlying / deep-seated
shēncéng
深层
problems / issues
wèntí
问题
。
this year
jīnnián
今年
the first four months
qián sì gè yuè
前四个月
newly added / net new
xīnzēng
新增
loans
dàikuǎn
贷款
cumulative / in total
lèijì
累计
only / merely
jǐn
仅
to be / amounting to
wèi
为
8.59 trillion yuan
8.59 wànyì yuán
8.59万亿元
，
compared to / relative to
jiào
较
last year
qùnián
去年
the same period
tóngqī
同期
to fall / to decrease
xiàjiàng
下降
14.6 percent
14.6%
14.6%
。
this time / on this occasion
cǐcì
此次
data / figures
shùjù
数据
to coincide with / happening at the same time as
qiàféng
恰逢
China-US
Zhōng-Měi
中美
leaders
lǐngdǎorén
领导人
summit
fēnghuì
峰会
in Beijing
zài Běijīng
在北京
to hold (an event)
jǔxíng
举行
at the time of / during
zhī jì
之际
，
to cause / to make
lìng
令
outside observers / the outside world
wàijiè
外界
regarding / toward
duì
对
China
Zhōngguó
中国
economy
jīngjì
经济
recovery / revival
fùsū
复苏
prospects / outlook
qiánjǐng
前景
structural particle
de
的
concern / worry
dānyōu
担忧
further / to a greater extent
jìnyībù
进一步
to deepen / to intensify
jiāshēn
加深
。

New Words

daikuan
贷款
loan
xinzeng
新增
newly added
zhuan fu
转负
turn negative
shousuo
收缩
contraction
xindai
信贷
credit
xuqiu
需求
demand
dimi
低迷
sluggish
loushi
楼市
property market
xiaofei
消费
consumption
xinxin
信心
confidence

News in English

Business

China April New Loans Turn Negative for First Time Since July 2025

China net new yuan loans contracted to negative 10 billion yuan in April 2026, the first monthly contraction since July 2025, dramatically missing the 300 billion yuan consensus forecast.

China's new yuan-denominated loans unexpectedly turned negative in April, contracting to minus 10 billion yuan. This marks the first monthly credit contraction since July 2025, signaling sluggish domestic credit demand. March saw new loans reach 2.99 trillion yuan, so the reversal magnitude shocked markets. Household sector loans declined 786.9 billion yuan, including mortgage loans down 341 billion yuan. Enterprise loans similarly shrank dramatically from March's 2.66 trillion to 390 billion yuan. Analysts attribute this to the long-struggling property market, insufficient household consumption confidence, and underlying economic issues. First four months of 2026 saw cumulative new loans of 8.59 trillion yuan, down 14.6% versus last year. This data coincides with China-U.S. leaders' summit in Beijing, deepening external concerns about China's economic recovery prospects.

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0.1%
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to acquire / takeover
shōugòu
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gǔjià
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