People’s Bank of China Keeps Loan Prime Rates Steady

The People’s Bank of China maintained its one-year and five-year loan prime rates at 3.00% and 3.50% respectively on October 20, 2025, amidst economic analysis.

This rate decision may influence broader market trends in Asia, affecting currencies like CNY and potentially impacting crypto market sentiment and liquidity flows.

Bitcoin Price Holds Steady Amid PBOC Decision

As of October 20, 2025, Bitcoin’s price stands at $107,990.62 with a market cap of $2.15 trillion, according to CoinMarketCap. Market dominance is 58.84%, with a slight 0.93% price increase over the past 24 hours. Volume rose 38.15% to $50.74 billion. Over a 90-day tracking, Bitcoin decreased by 7.86%.

Chinese crypto markets showed no direct price reactions following the announcement. Although broader liquidity and risk appetite may evolve, large crypto-cap assets like Bitcoin and Ethereum remained largely unaffected. Key players such as Arthur Hayes and Vitalik Buterin offered no significant commentary immediately following the PBOC decision.

“This continued steadiness in the LPR is aimed at balancing growth support with financial stability.” – Pan Gongsheng, Governor & CCP Committee Secretary, People’s Bank of China

Market Insights

Did you know? During similar unchanged LPR periods in 2023 and 2024, Asian equity markets saw brief rallies, highlighting historical steadiness rather than volatility.

Coincu analysts emphasize the importance of PBOC’s steady approach, focusing on economic stabilization without immediate lending shifts. Market observers highlight that future PBOC policy actions may increasingly affect cross-asset flows and Asian crypto market liquidity.

Market analysts anticipated this outcome, seeing it as a continuity signal by PBOC in broader Asia-Pacific economic integration.