New RMB loans in June hit a record high for the same period in history. What trend does this reflect?

New RMB loans have fully recovered in June’s financial data. Not only RMB loans, but also the scale of social financing have both reached the highest value in the same period in history. According to the latest data released by the People's Bank of China on July 11, in June this year, RMB loans increased by 2.81 trillion yuan, an increase of 686.7 billion yuan year-on-year, setting a record for the same period in history.

With the steady implementation of various economic policies, financial institutions have continued to increase their support for the real economy. The effective demand for credit has rebounded significantly, and the credit structure has also been significantly optimized. , so the financial data in June overall exceeded market expectations, and the macroeconomic continued to recover and develop in a good direction.

New RMB loans hit a new high for the same period, indicating an improvement in the loan term structure. Judging from the new loans and structure in June, new medium- and long-term loans to the residential sector were approximately 416.7 billion yuan, a sharp increase compared with May. At the same time, short-term loans also increased year-on-year and month-on-month, which reflects the accelerated recovery of residents' lives, driving consumer demand, and domestic real estate demand is also picking up significantly.

The new RMB loans hit a new high for the same period, indicating that the increase in social financing exceeded expectations. RMB loans and government bond financing are still the main contributors. Against the background of fiscal efforts, various regions have already 3.4 trillion yuan of special bonds were actually issued, and the issuance progress was about 99%; in June, the scale of local government bond issuance reached 1.93 trillion yuan, and the net financing amount reached 1.7 trillion yuan, an increase of 100 million yuan year-on-year. Keep government bond financing high.

New RMB loans hit a new high for the same period, which also shows that financial data may continue to be strong in the short term. Overall, financial data surged in June, with obvious credit effects. At the same time, in order to help the economy return to normal as soon as possible, financial data will continue to be strong in the short term. In addition, considering that the overall economic recovery process in the second half of the year will be relatively moderate and the external financial environment will tighten, it should not shake the policy tone focused on me.

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1. Information about loans: Total loans increased by 919.8 billion in June, and two interest rate cuts had a major impact

The central bank released a financial statistics report for the first half of the year on the 12th. Data show that in June, RMB loans increased by 919.8 billion yuan, an increase of 126.6 billion yuan from May. New loans increased rapidly, and total social financing also continued to increase, indicating that policy relaxation has achieved initial results, but the expansion of infrastructure investment and other stable Growth measures still need to be stepped up.

Kuaiyidai believes that the central bank’s interest rate cut in early June has improved the credit demand faced by banks to a certain extent. At the same time, in early June, the China Banking Regulatory Commission required commercial banks to increase credit support for exports, infrastructure, affordable housing and other fields, which has improved credit supply and demand.

From the perspective of loan structure, the proportion of bill financing and short-term loans among new loans in June increased again, and the proportion of medium and long-term loans dropped from 34% last month to 30.7%, indicating that the financial sector is " The effect of increased support for the “Stabilizing Growth” project has not yet been fully realized. The scale of social financing in June was 1.78 trillion yuan, an increase of 638.1 billion yuan from May. In addition to the significant growth in loans, corporate bond financing increased by 195.2 billion yuan, and the increase expanded by more than 50 billion yuan for the second consecutive month. The bond market expanded. Become an important force in loose liquidity.

It is also worth noting that less than a month after the interest rate cut in early June, the central bank lowered loan interest rates again on July 6, 2012, and further adjusted the lower limit of the floating range of loan interest rates for financial institutions to 0.7 times. Continue to expand the floating range of loan interest rates, and banks will have more independent choices within the interest rate floating range.

As for housing loans, lowering loan interest rates will have a huge impact on the housing loan market. Two interest rate cuts within one month will reduce the monthly interest of a millionaire home buyer with a 20-year loan by nearly 300 yuan. Although the two interest rate cuts have not significantly reduced the mortgage burden, they will have a huge psychological impact on home buyers. Judging from the positive impact of this interest rate cut on the market, loan interest rates will definitely fall, increasing demand for loans. For lenders, loans will be smoother to meet market consumption needs.

In June, credit increased by 686.7 billion yuan, and social financing increased by 1.47 trillion yuan. What signals did it release?

In June, my country's RMB credit scale increased by 686.7 billion, and social financing increased by 14,700 billion. From these financial data, we can see that my country's macroeconomic regulation and control is constantly increasing, and this It is also an important symbol of my country's economic recovery.

1. Domestic consumption is picking up and economic recovery is accelerating.

Judging from the latest data, the new medium and long-term loans of the residential sector are approximately 416.7 billion yuan. This is a huge increase compared with May, which fully shows that my country’s current consumption policy has played a significant role. At the same time, as the epidemic has been targeted and controlled, residents have become more confident in consumption, and the real estate market has also improved, especially the number of second-hand housing transactions has also increased significantly.

2. The effect of early fiscal policy is obvious

Judging from these data, my country's early fiscal policy, which has rapidly increased fiscal expenditures before the year, has also begun to gradually appear. The substantial increase in credit scale this time is closely related to the current RMB loans and the government's securities lending and financing business. As the main player in macro-control, the government also plays an extremely important role in driving local investment in my country. In particular, the investment growth driven by new infrastructure construction carried out in various places is also an important reason for this recovery in data.

3. Stabilizing employment and promoting growth has been fully demonstrated

Our country proposed the policy of stabilizing employment and promoting growth years ago, hoping to help small, medium and micro enterprises to successfully tide over the difficulties during the epidemic. . In this data, we can also see this signal. In the policy goal of stabilizing employment, stabilizing prices and promoting growth, monetary policy has been playing an important role. In particular, financial institutions have increased their support for inclusive small and micro loans, and preferential loans for small enterprises have also been continuously strengthened. The preferential policies that micro-enterprises can enjoy are also increasing, and efforts are being made to stabilize the industrial and supply chains and play a role in helping enterprises tide over difficulties.

New RMB loans hit a record high for the same period in history. What factors influenced this?

The loan term structure has improved. Central Bank data shows that in June, RMB loans increased by 2.81 trillion yuan, an increase of 686.7 billion yuan year-on-year. "Affected by the surge at the end of the quarter, the increase in loans in June is a seasonal phenomenon, but it increased by nearly 700 billion yuan year-on-year and hit the highest new scale in the same period in history, indicating that the aggregate function of countercyclical adjustment of monetary policy is being fully exerted.

That’s it for the introduction of new RMB loans in June.