Some bank accounts pay a nominal interest rate of at least 5% per year, which would be higher than the aforementioned rate of inflation and in this case provide a positive real interest rate.

Some advisers argue the country already has a de facto zero interest rate regime, since Chinese banks — guided directly by the central bank on loan pricing — have steadily lowered borrowing costs over ...

Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement.