First, the growth rate of loans from enterprises and institutions rebounded.
At the end of 20 19, the loan balance of local and foreign currency enterprises and institutions was 98.37 trillion yuan, up 10.5% year-on-year, 0.6 percentage points higher than the end of last year; The annual increase was 9.36 trillion yuan, an increase of 1.35 trillion yuan. By term, the balance of short-term loans and bill financing was 38.43 trillion yuan, up 9.0% year-on-year, 2.3 percentage points higher than the end of last year, and increased by 3.28 trillion yuan in the whole year, up by 1.08 trillion yuan year-on-year; The balance of medium and long-term loans was 57.28 trillion yuan, up by 1 1.6% year-on-year, 0.7 percentage points higher than the end of the third quarter, with an increase of 5.87 trillion yuan and an increase of 389.7 billion yuan. In terms of use, the balance of fixed assets loans was 42.64 trillion yuan, up 65,438+065,438+0.3% year-on-year, 0.5 percentage points higher than the end of last year; The balance of operating loans was 4 billion yuan/kloc-0.5 billion yuan, up 6.2% year-on-year, which was 1.8 percentage points higher than the end of last year.
Two. Repair the growth rate of medium and long-term loans in industry and service industry
At the end of 20 19, the balance of medium-and long-term loans in local and foreign currency industries was 9 18 trillion yuan, up 6.8% year-on-year, which was 0/.4 percentage points higher than that at the end of the third quarter. The annual increase was 5.9/kloc-0.20 billion yuan, a year-on-year decrease of 3.9 billion yuan. Among them, the balance of medium and long-term loans for heavy industry was 8.06 trillion yuan, up 5.8% year-on-year, which was 1.3 percentage points higher than the end of the third quarter; The balance of medium and long-term loans in light industry was 1. 1.2 trillion yuan, up 14.6% year-on-year, 2.6 percentage points higher than that at the end of the third quarter. At the end of 20 19, the balance of medium-and long-term loans in local and foreign currency service industries was 39.40 trillion yuan, up by 13.0% year-on-year, up by 1 percentage point compared with the end of the third quarter. The annual increase was 4.45 trillion yuan, an increase of 329.6 billion yuan. Among them, the balance of medium and long-term loans in the real estate industry increased by11.4% year-on-year; The balance of medium and long-term loans in transportation, warehousing and postal services increased12.6% year-on-year; The balance of medium and long-term loans in water conservancy, environment and public facilities management industry increased 1 1. 1% year-on-year.
Third, Pratt & Whitney small and micro loans maintained rapid growth.
At the end of 20 19, the balance of Pratt & Whitney small and micro loans was 1 1.59 trillion yuan, up by 23. 1% year-on-year, 7.9 percentage points higher than the end of last year, with an increase of 2.09 trillion yuan and 852.5 billion yuan. At the end of 20 19, Pratt & Whitney small and micro loans supported 27.04 million small and micro business entities, up 26.4% year-on-year, with an increase of 5.65 million 1 10,000.
Fourth, green credit maintained rapid growth.
At the end of 20 19, the balance of local and foreign currency green loans was 10.22 trillion yuan, an increase of 15.4% compared with the beginning of the year, accounting for 10.4% of the loans of enterprises and institutions in the same period. In terms of use, the loan balances of green transportation projects and renewable energy and clean energy projects were 4.47 trillion yuan and 2.49 trillion yuan respectively, increasing by 65,438+04.3% and 65,438+065,438+0.0% respectively compared with the beginning of the year. In terms of industries, the balance of green loans in transportation, warehousing and postal services was 4.33 trillion yuan, an increase of16.2% over the beginning of the year; The balance of green loans in electricity, heat, gas and water production and supply industries was 3.05 trillion yuan, an increase of 9.3% over the beginning of the year.
Fifth, the growth rate of rural loans rebounded, and the growth rate of farmers and agricultural loans slowed down.
At the end of 20 19, the balance of local and foreign currency agricultural loans was 35. 19 trillion yuan, up 7.7% year-on-year, 2. 1 percentage point higher than the end of last year; The annual increase was 2.68 trillion yuan, an increase of 4510.50 billion yuan. At the end of 20 19, the balance of rural loans (at or below the county level) was 28.84 trillion yuan, up 8.3% year-on-year, 2.3 percentage points higher than the end of last year, and the annual increase was 2.35 trillion yuan, an increase of 4 103 billion yuan. The balance of farmers' loans was 10.34 trillion yuan, up 12. 1% year-on-year, down10.8 percentage points from the end of last year, up 1. 19 trillion yuan for the whole year, up 57.5 billion yuan year-on-year. The balance of agricultural loans was 3.97 trillion yuan, up by 0.7% year-on-year, down by 1. 1 percentage point compared with the end of last year, with an increase of 71.40 billion yuan and a decrease of 1.65 billion yuan.
6. The growth rate of real estate loans continued to decline steadily.
At the end of 20 19, the balance of RMB real estate loans was 444 1 trillion yuan, up by 14.8% year-on-year, and the growth rate was 5.2 percentage points lower than that at the end of last year, falling for 17 months in a row. The annual increase was 57 1 trillion yuan, accounting for 34.0% of the increase in RMB loans in the same period, which was 5.9 percentage points lower than the annual level of the previous year. At the end of 20 19, the balance of real estate development loans was 1 1.22 trillion yuan, a year-on-year increase of/kloc-0.1%,and the growth rate was 12.5 percentage points lower than that at the end of last year. Among them, the balance of affordable housing development loans was 46 1 trillion yuan, up 6.7% year-on-year, 22.8 percentage points lower than the end of last year. The balance of individual housing loans was 30.07 trillion yuan, up 16.7% year-on-year, lower than the end of last year 1. 1 percentage point.
Seventh, family business loans grew steadily.
At the end of 20 19, the balance of household loans in local and foreign currencies was 55.33 trillion yuan, up by 15.5% year-on-year, 2.7 percentage points lower than the end of last year; The annual increase was 7.43 trillion yuan, an increase of 64.8 billion yuan. At the end of 20 19, the balance of domestic and foreign currency households' operating loans was 1 1.35 trillion yuan, up by 12.5% year-on-year, 0.2 percentage point higher than the end of last year, with an increase of 1.26 trillion yuan and/kloc-0 for the whole year. The balance of consumer loans was 43.98 trillion yuan, up by 16.3% year-on-year, 3.6 percentage points lower than the end of last year, with an increase of 6 17 trillion yuan and a decrease of105.5 billion yuan.