20 15 The balance of small and micro loans of Taicang Rural Commercial Bank exceeded 2 billion yuan, serving more than 8,000 small and micro customers.
20 15 balance of small and micro loans of Chizhou Jiuhua Rural Commercial Bank
Since the beginning of this year, Chizhou Jiuhua Rural Commercial Bank has continuously increased its financial support for small and medium-sized enterprises, solved problems for enterprises, and fully supported the steady and healthy development of local economy with practical actions. The data shows that as of the end of May, the bank's balance of small and micro loans was 6.263 billion yuan, and the average interest rate of small and micro loans decreased year-on-year.
Keep up with policies and effectively serve small and micro enterprises.
Chizhou Nanyu Industrial Co., Ltd. is mainly engaged in the manufacture and sales of arts and crafts and etiquette supplies. At present, its main products are holiday crafts. Due to the rapid expansion of order business and the increase of raw materials to be purchased, the liquidity of enterprises is insufficient.
According to the person in charge of the company, the company has developed relatively stable market resources for many years, established stable supplier cooperation relations with companies in Jiangsu and Zhejiang provinces, and the sales channels are relatively stable. Combined with the current sales and market operation, it has further optimized its internal management and development prospects, integrated resources and brought its own advantages into play. We plan to increase our sales capacity by 65,438+05-30% every year. Chizhou Jiuhua Rural Commercial Bank realized its dominant position in the sub-industry, and used the micro-loan policy in time to provide it with a guaranteed working capital loan of 8 million yuan.
According to statistics, by the end of May, Chizhou Jiuhua Rural Commercial Bank had put in 350 million yuan of loans that met the requirements of the micro-credit policy, and the average interest rate was 50 basis points lower than the general lending rate, benefiting more than 30 small and micro enterprises.
The loan balance of small and micro enterprises in Kunshan Rural Commercial Bank is 20 15.
I would like to ask what is the loan balance of 20 15 Kunshan Rural Commercial Bank for small and micro enterprises? In 20 15, the loan balance of small and micro enterprises in Kunshan Rural Commercial Bank was 64.268 billion yuan. By the end of 20 15, the loan balance of small and micro enterprises in Kunshan Rural Commercial Bank was 64.268 billion yuan, accounting for 65.438+05.74% of the local market, ranking second.
Average housing loan balance
The average housing loan balance is 18.9 trillion yuan.
At the end of 2022, the balance of real estate development loans was 12.69 trillion yuan, up 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.
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, up 4. 1% year-on-year, 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.
This concludes the introduction of the total loan balance in 20 15. I wonder if you found the information you need from it?