RBA Interest and Cash Rates - Australia

# Australian Inflation Rate Data

RBA Cash Rates - Australia data listing includes data sets sourced from the [Reserve Bank of Australia](https://www.rba.gov.au/) and licensed for reuse under the [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) licence. The following details the data sets included in this listing. [RBA Cash Rate Terms and Conditions](https://www.rba.gov.au/copyright/#4-cash-rate-terms-and-conditions)

**Source**: Reserve Bank of Australia 2026

## Cash Rate Target (RBA)

The cash rate is the interest rate that banks pay to borrow funds from other banks in the money market overnight. It influences all other interest rates, including mortgage and deposit rates.

In technical terms, it is the interest rate on unsecured overnight loans between banks (loans banks use to manage their liquidity).

A media release is issued at 2.30 pm after each Reserve Bank Board meeting, with any change in the cash rate target taking effect the following day, hence the data is refreshed daily.

See: [https://www.rba.gov.au/statistics/cash-rate/](https://www.rba.gov.au/statistics/cash-rate/)

## Interest Rate Data (RBA)

The following outlines the interest rate data included in this listing sourced from the RBA's statistical tables.

- Interest Rates and Yields – Money Market – Daily – F1<br/>Daily short-term interest rates and yields in Australia’s money markets (e.g. cash rate, interbank rates).<br/>
- Interest Rates and Yields – Money Market – Monthly – F1.1<br/>Monthly averages of key short-term money market interest rates and yields.<br/>
- Capital Market Yields – Government Bonds – Daily – F2<br/>Daily yields on Australian government bonds across different maturities.<br/>
- Capital Market Yields – Government Bonds – Monthly – F2.1<br/>Monthly averages of Australian government bond yields by maturity.<br/>
- Aggregate Measures of Australian Corporate Bond Yields – F3<br/>Summary yield measures for Australian corporate bonds, typically by credit rating and term.<br/>
- Bonds Used to Construct Aggregate Measures of Australian Corporate Bond Yields – F3<br/>The specific corporate bonds included in calculating the aggregate yield measures in F3.<br/>
- Advertised Deposit Rates – F4<br/>Interest rates advertised by banks for deposit products (e.g. savings accounts, term deposits).<br/>
- Paid Deposit Rates – F4.1<br/>Actual interest rates paid by banks on deposits, reflecting real customer outcomes.<br/>
- Indicator Lending Rates – F5<br/>Headline/benchmark lending rates set by banks for various loan types.<br/>
- Housing Lending Rates – F6<br/>Interest rates specifically applied to residential mortgage lending.<br/>
- Business Lending Rates – F7<br/>Interest rates charged on loans to businesses, by size/type.<br/>
- Personal Lending Rates – F8<br/>Interest rates on personal loans, credit cards, and other consumer lending.<br/>
- Indicative Mid Rates of Selected Australian Government Securities – F16<br/>Midpoint yields (between bid/ask) for selected Australian government securities.<br/>
- Zero-coupon Interest Rates – Analytical Series – 2017 to Current – F17<br/>Estimated zero-coupon yield curve showing pure interest rates by maturity without coupon effects.

See: [https://www.rba.gov.au/statistics/tables/](https://www.rba.gov.au/statistics/tables/)

**Schemas available:**

- RBA_CASH_RATES_AUS

**Tables available:**

- CASH_RATE_TARGET
- CASH_RATE_TARGET_ARCHIVE
- ADVERTISED_DEPOSIT_RATES
- ADVERTISED_DEPOSIT_RATES_SERIES_BREAKS
- AGGREGATE_MEASURES_OF_AUSTRALIAN_CORPORATE_BOND_YIELDS
- BUSINESS_LENDING_RATES
- CAPITAL_MARKET_YIELDS_GOVERNMENT_BONDS_DAILY
- CAPITAL_MARKET_YIELDS_GOVERNMENT_BONDS_MONTHLY
- HOUSING_LENDING_RATES
- INDICATIVE_MID_RATES_OF_AUSTRALIAN_GOVERNMENT_SECURITIES
- INDICATOR_LENDING_RATES
- INDICATOR_LENDING_RATES_SERIES_BREAKS
- INTEREST_RATES_AND_YIELDS_MONEY_MARKET_DAILY
- INTEREST_RATES_AND_YIELDS_MONEY_MARKET_MONTHLY
- PAID_DEPOSIT_RATES
- PERSONAL_LENDING_RATES
- ZERO_COUPON_INTEREST_RATES_DISCOUNT_FACTORS
- ZERO_COUPON_INTEREST_RATES_FORWARD_RATES
- ZERO_COUPON_INTEREST_RATES_YIELDS

原始信息汇总

数据集概要

数据集名称: RBA Interest and Cash Rates - Australia
提供方: Data Army Intel
数据来源: 澳大利亚储备银行 (Reserve Bank of Australia)，遵循 CC BY 4.0 许可协议。
数据刷新频率: 每月
时间覆盖: 按日
交付方式: Secure Share (安全共享)

---

核心数据内容

该数据集包含两大核心模块：

1. 现金利率目标 (Cash Rate Target, RBA)

• 定义：银行间无担保隔夜贷款利率，影响所有其他利率（如抵押贷款、存款利率）。
• 发布规则：每次储备银行董事会会议后（下午2:30）发布媒体公告，变动于次日生效。
• 数据更新频率：每日刷新。
• 参考链接：https://www.rba.gov.au/statistics/cash-rate/

2. 利率数据 (Interest Rate Data, RBA)

涵盖来自 RBA 统计表的多种利率数据，包括：

• 货币市场利率与收益率：日度与月度数据（表 F1, F1.1）
• 国债市场收益率：日度与月度数据（表 F2, F2.1）
• 公司债券收益率：汇总与构成数据（表 F3）
• 存款利率：广告利率与实际支付利率（表 F4, F4.1）
• 贷款指示利率（表 F5）
• 住房贷款利率（表 F6）
• 商业贷款利率（表 F7）
• 个人贷款利率（表 F8）
• 政府证券中间收益率（表 F16）
• 零息票利率：2017年至今（表 F17）

参考链接：https://www.rba.gov.au/statistics/tables/

---

Schema 与 数据表

Schema 名称: RBA_CASH_RATES_AUS
包含 18 个数据表：

• CASH_RATE_TARGET
• CASH_RATE_TARGET_ARCHIVE
• ADVERTISED_DEPOSIT_RATES
• ADVERTISED_DEPOSIT_RATES_SERIES_BREAKS
• AGGREGATE_MEASURES_OF_AUSTRALIAN_CORPORATE_BOND_YIELDS
• BUSINESS_LENDING_RATES
• CAPITAL_MARKET_YIELDS_GOVERNMENT_BONDS_DAILY
• CAPITAL_MARKET_YIELDS_GOVERNMENT_BONDS_MONTHLY
• HOUSING_LENDING_RATES
• INDICATIVE_MID_RATES_OF_AUSTRALIAN_GOVERNMENT_SECURITIES
• INDICATOR_LENDING_RATES
• INDICATOR_LENDING_RATES_SERIES_BREAKS
• INTEREST_RATES_AND_YIELDS_MONEY_MARKET_DAILY
• INTEREST_RATES_AND_YIELDS_MONEY_MARKET_MONTHLY
• PAID_DEPOSIT_RATES
• PERSONAL_LENDING_RATES
• ZERO_COUPON_INTEREST_RATES_DISCOUNT_FACTORS
• ZERO_COUPON_INTEREST_RATES_FORWARD_RATES
• ZERO_COUPON_INTEREST_RATES_YIELDS

---

示例表结构 (CASH_RATE_TARGET)

主要字段包括：

• STAT_DATE (日期)
• TITLE (标题)
• DESCRIPTION (描述)
• FREQUENCY (频率)
• TYPE (类型)
• UNITS (单位，如百分比)
• SOURCE (来源)
• PUBLICATION_DATE (发布日期)
• SERIES_ID (序列ID)
• VALUE (数值)
• DATE_UPDATED (更新日期)
• DATA_SUPPLIER (数据供应商)
• DATA_SOURCE (数据源链接)
• DAI_META_RETRIEVAL_TIMESTAMP (检索时间戳)
• POTENTIAL_DUPLICATES (潜在重复项)

---

适用业务场景

• 市场分析：追踪利率变动，理解宏观经济趋势。
• 定价分析：根据现金利率调整贷款、抵押、储蓄产品定价。
• 风险分析：评估利率变动对投资组合的影响。
• 需求预测：结合利率趋势预测消费、借贷、住房需求。
• 基本面分析：支持股权、债券、房地产的估值。
• 经济影响分析：评估现金利率变化对通胀、就业、商业投资的影响。