1. The balance of local and foreign currency loans of financial institutions refers to the balance of RMB loans and foreign currency loans, which can generally explain the scale of credit provided by financial institutions to the society. However, in recent years, due to the pressure of bank performance evaluation, many banking financial institutions have done a lot of products such as domestic insurance and external insurance and domestic loans in order to reach the deposit index, that is, deposits and loans have increased at the same time, so there is a certain amount of water.
2. The loan balance refers to the total loan that the borrower has not returned to the lender on a certain node date. Also refers to the outstanding loans at the end of the accounting period. The outstanding loan balance is equal to the total loan minus the repaid bank loan.
3. The loan balance is not the loan amount, but the loan amount refers to the contract amount, which is a constant amount. The loan balance refers to the total amount of loans issued by commercial banks before a certain date. Loan-to-deposit ratio is included in the bank's assessment indicators, that is, the proportion of loan balance to deposit balance cannot exceed 75%, otherwise it is illegal and risky. The balance of deposits is an indicator of liabilities, and the balance of loans is an indicator of assets.
1. What is the total loan amount and loan balance?
The total amount of loans refers to the total amount of credit incurred by enterprises at the end of the accounting period, that is, the total amount of loans or financing borrowed by enterprises from banks, while the loan balance refers to the loans that have not been repaid by the end of the accounting period. The outstanding loan balance is equal to the total loan minus the repaid bank loan.
That is, the loan balance of short-term loans or long-term loans = the loan balance of the previous period, the amount of credit (financing increase)-the amount of debit (loan repayment).
Second, the impact of funds.
The balance of local and foreign currency deposits of financial institutions reflects the ability of a city to absorb funds. We know that capital is the driving force and result of economic operation. How much money a city can gather shows its comprehensive strength and development potential.
Capital is the capital to run industry and commerce, and it is also the material or currency used by the state to develop the national economy. Capital is expressed as currency, which is used for turnover and meets the needs of creating social material wealth. It embodies the socialist relations of production based on public ownership of information. Capital is the media value used to create new value and increase the value of social surplus products in the process of social reproduction. It also refers to capital management, which means that only a small part of capital is at risk in any transaction.
Average housing loan balance
The average housing loan balance is 18.9 trillion yuan.
On February 3, 2022, the People's Bank of China released a statistical report on the loan investment of financial institutions in the fourth quarter, showing that at the end of 2022, the balance of RMB loans of financial institutions was 2 13.99 trillion yuan, a year-on-year increase of1.1%; In the whole year, RMB loans increased by 2 1.3 1 trillion yuan, a year-on-year increase of 1.36 trillion yuan.
_ _ Among them, the growth rate of real estate loans slowed down and the growth rate of real estate development loans increased. The data shows that at the end of 2022, the balance of RMB real estate loans was 53./kloc-0.6 trillion yuan, a year-on-year increase of 65.438+0.5%, which was 6.5 percentage points lower than the growth rate at the end of last year. The annual increase was 72 13 billion yuan, accounting for 3.4% of the increase in various loans in the same period.
_ _ At the end of 2022, the balance of real estate development loans was 12.69 trillion yuan, up by 3.7% year-on-year, and the growth rate was 1.5 percentage points higher than that at the end of the third quarter and 2.8 percentage points higher than that at the end of the previous year. The balance of individual housing loans was 38.8 trillion yuan, up 1.2% year-on-year, and the growth rate was 10 percentage point lower than that at the end of last year.
_ _ At the same time, the growth rate of residents' business loans continued to rise, while the growth rate of residents' consumer loans declined. At the end of 2022, the balance of household loans in local and foreign currencies was 74.94 trillion yuan, up 5.4% year-on-year, and the growth rate was 65,438+0.8 percentage points lower than that at the end of the third quarter and 7.65,438+0 percentage points lower than that at the end of the previous year. The annual increase was 3.83 trillion yuan, a year-on-year decrease of 4.09 trillion yuan.
_ _ At the end of 2022, the balance of domestic and foreign currency household operating loans was 18.9 trillion yuan, up 16.5% year-on-year, 0.4 percentage points higher than the end of the third quarter and 2.6 percentage points lower than the end of the previous year; The annual increase was 2.68 trillion yuan, an increase of 79.3 billion yuan. The balance of consumer loans (excluding personal housing loans) was 17.25 trillion yuan, a year-on-year increase of 4. 1%, and the growth rate was 1.3 percentage points lower than that at the end of the third quarter and 5.4 percentage points lower than that at the end of the previous year. The annual increase was 675.5 billion yuan, a year-on-year decrease of 764.6 billion yuan. At the end of the second quarter of 2022, the balance of RMB loans of financial institutions was 206.35 trillion yuan, a year-on-year increase of 1 1.2%.
In the first half of the year, China's GDP was 56,264.2 billion yuan. At the end of the first quarter, the leverage ratio of China's residential sector was 62. 1%.
We can draw two messages from it:
1. The proportion of household loans to total loans is about 35.5 1%.
2. The leverage ratio of residents is the ratio of total liabilities of residents' departments to GDP. 62. 1% means that the total debt of residents accounts for more than 60% of GDP.
The International Monetary Fund believes that the leverage ratio of residents exceeding 65% will affect financial stability. At present, the leverage ratio of Chinese residents has approached or even exceeded.
Residents' liabilities are mainly mortgages.
According to the data of the central bank, the balance of individual housing loans was 38.86 trillion yuan, up 6.2% year-on-year, and the growth rate was 5. 1 percentage point lower than that at the end of last year.
Overall, this growth rate is higher than the GDP growth rate, but lower than the previous mortgage growth rate. The main reasons are:
1. At present, the debt ratio of residents is at a high level, and there is limited room for further increase.
2. The property market is relatively cold, house prices are adjusted back, and residents' enthusiasm for buying a house is declining.
Central bank data also shows that:
At the end of the second quarter of 2022, the balance of RMB real estate loans was 53. 1 1 trillion yuan, a year-on-year increase of 4.2%, which was 3.7 percentage points lower than the growth rate at the end of last year. Among them, the balance of real estate development loans was 12.49 trillion yuan, down 0.2% year-on-year, and the growth rate was 1. 1 percentage point lower than that at the end of last year.
Real estate loans include development loans and mortgage loans. In the last year or two, due to the occasional liquidity crisis of housing enterprises and the impact of the cold winter in the property market, the funds obtained by housing enterprises from banks have decreased significantly.
At the meeting of the Political Bureau on July 28th, it was mentioned that to stabilize the real estate market, we should adhere to the position that houses are used for living, not for speculation. Due to the city's policy, make full use of the policy toolbox, support the demand for rigid and improved housing, compact the responsibility of local governments, ensure the delivery of buildings, and stabilize people's livelihood.
The China Banking Regulatory Commission also made a statement: support local governments to do a good job of "guaranteeing buildings and handing over houses" and promote the stable and healthy development of the real estate market.
It can be expected that the financing of housing enterprises should be improved. After all, the property market is too important, not only involving people's livelihood, but also affecting the overall economic stability.
What do you mean by local currency and foreign currency
Local currency refers to the legal tender of a country, and no other currency can circulate in this country except legal tender.
1, what does it mean to deposit an all-in-one account in local and foreign currencies?
First of all, all-in-one account refers to a savings account opened with a passbook, and all-in-one account refers to a savings account for time deposits. Depositors can handle both RMB time deposits and foreign currency time deposits. The local and foreign currency term all-in-one account has the transfer function. Every time depositors deposit funds, they need to agree with the bank whether to transfer them out. Under normal circumstances, handling a fixed-term all-in-one account for local and foreign currencies requires individuals to deposit an equivalent amount of RMB and foreign currency, which requires a certain amount of deposit. Some banks have regulations on the term of foreign currency deposits, and the Postal Savings Bank stipulates that the term of foreign currency deposits is 1 year, 2 years and 5 years.
2. Overseas local and foreign currency financing
According to the entrustment of customers, help to issue RMB or foreign currency bonds or organize RMB or foreign currency syndicated loans in the international market, and provide customers with medium and long-term funds.
Product features help customers broaden financing channels in local and foreign currencies in the international market, raise medium and long-term local and foreign currency funds, enhance customers' international reputation, support customers' international business development, and provide investors with investment channels in local and foreign currencies.
Entrusted China Bank as the lead underwriter to handle the process and sign the underwriting agreement; Accept due diligence, set up an underwriting syndicate, and complete the issuance quota of various issuance documents approved by relevant government departments; Issue an announcement of issuance, issue bonds or organize a syndicate; After receiving the raised funds, handle the related creditor-debtor relationship; Complete other follow-up work such as continuous information disclosure in accordance with relevant regulations; Repay the bonds as agreed.
What does "balance of local and foreign currency loans" mean?
Total loan balance loan balance in local currency and foreign currency-loan balance refers to the total loan that the borrower has not returned to the lender on a certain node date. The loan balance is not the loan amount. The loan amount refers to the contract amount, which is a constant amount. The loan balance refers to the total amount of loans issued by commercial banks before a certain date. Loan-to-deposit ratio is included in the bank's assessment indicators, that is, the proportion of loan balance to deposit balance cannot exceed 75%, otherwise it is illegal and risky. The balance of deposits is an indicator of liabilities, and the balance of loans is an indicator of assets. The total amount of loans refers to the total amount of credit incurred by enterprises at the end of the accounting period, that is, the total amount of loans or financing borrowed by enterprises from banks, while the loan balance refers to the loans that have not been repaid by the end of the accounting period. The outstanding loan balance is equal to the total loan minus the repaid bank loan. That is, the loan balance of short-term loans or long-term loans = the loan balance of the previous period plus the amount of credit incurred in the current period (financing increase) minus the amount of debit incurred (loan repayment).
Balance of local and foreign currency deposits in Linyi High-tech Zone in 2022
In 2022, the balance of local and foreign currency deposits in Linyi High-tech Zone was 962.29 billion yuan. The budget revenue of Linyi High-tech Zone was 65.438+0.288 billion yuan, an increase of 654.38+0.65+0%, of which local tax revenue increased by 6.5%. The balance of local and foreign currency deposits of financial institutions was 962.29 billion yuan, and the balance of loans was 854.465438 billion yuan, up 66.25 billion yuan and 37.4 billion yuan respectively from the beginning of the year. In the first quarter of 2022, Linyi achieved a regional GDP of129.36 billion yuan, an increase of 5.4%. The added value of the primary industry was 5.96 billion yuan, the added value of the secondary industry was 5 billion yuan/kloc-0.50 billion yuan, and the added value of the tertiary industry was 73.25 billion yuan, achieving the goal of a steady start in the first quarter.
In June 2022, the balance of local and foreign currency deposits in Changshu was 5438+065438+ 10 month.
In 2022 10, the balance of local and foreign currency deposits in Changshu was 4,704.79 billion yuan. Relevant data show that at the end of 0+ 165438, the balance of local and foreign currency deposits of financial institutions in the city was 4,704.79 billion yuan, an increase of 542.36 billion yuan over the beginning of the year. The balance of local and foreign currency loans was 4,668.28 billion yuan, an increase of 587/kloc-0.80 billion yuan over the beginning of the year.