What changes have been made in loan investment in the first quarter? The latest data of the central bank gives the "answer".
On May 6, 2022, the central bank released a statistical report on the loan investment of financial institutions (hereinafter referred to as the report). The report shows that at the end of the first quarter of 2022, the balance of RMB loans of financial institutions was 20 1.0 1 trillion yuan, a year-on-year increase of 1.4%. In the first quarter, RMB loans increased by 8.34 trillion yuan, an increase of 663.6 billion yuan.
The National Business Daily reporter noted that the report disclosed loan data in many fields, such as loans from enterprises and institutions, medium and long-term industrial loans, inclusive finance loans and green loans. The reporter noted that the interest rates of new loans in many fields have declined.
For example, in terms of housing loans, the report pointed out that real estate development loans increased by 290 billion yuan in the first quarter, an increase of 44 14 billion yuan over the fourth quarter of last year. In March, the new personal housing loan interest rate was 5.42%, down 17 basis points from the beginning of the year.
The central bank said that in the first quarter, the People's Bank of China continued to guide financial institutions to increase credit support for the real economy and further optimize the structure while "increasing the quantity and lowering the price". In the first quarter, RMB loans increased by 8.34 trillion yuan, an increase of 663.6 billion yuan. Interest rates on corporate and personal loans have also generally declined. From the perspective of loan investment structure, the financial industry has achieved strong support for key areas and weak links of the national economy.
Inclusive loans maintained rapid growth.
The reporter noted that loans invested in key areas such as industry and infrastructure maintained rapid growth in the first quarter. In addition, the support in the field of Pratt & Whitney continued to increase.
The central bank said that industry is an important support to stabilize the macroeconomic market, and infrastructure construction is an important area to boost investment demand. In the first quarter, medium-and long-term loans in this industry increased by 20.7% year-on-year, 9.7 percentage points higher than various loans; Medium-and long-term loans for infrastructure construction increased by 65,438+03.2% year-on-year, 2.2 percentage points higher than various loans. The average interest rates of loans for industrial enterprises and infrastructure enterprises were 4.33% and 4.24%, respectively, both down by 12 basis points compared with the same period of last year. The financial system effectively guarantees the high-quality development of manufacturing industry and the capital demand for major infrastructure construction.
The report pointed out that loans in inclusive finance maintained rapid growth, the proportion of credit loans increased, and the interest rate of new loans continued to decrease. From the data point of view, at the end of the first quarter of 2022, the balance of RMB loans in inclusive finance was 28.48 trillion yuan, up 2 1.4% year-on-year, which was 1.8 percentage points lower than the end of last year. In the first quarter, it increased by 1.98 trillion yuan, an increase of 1.78 billion yuan year-on-year.
At the end of the first quarter of 2022, the balance of Pratt & Whitney small and micro loans was 20.77 trillion yuan, up by 24.6% year-on-year, and the growth rate decreased by 2.7 percentage points compared with the end of last year, of which credit loans accounted for 18.9%, up by 0.8 percentage points compared with the end of last year; In the first quarter, it increased by 1.55 trillion yuan, but decreased by 24 1 billion yuan year-on-year. The balance of loans for farmers' production and operation was 7.25 trillion yuan, a year-on-year increase of14.1%; The balance of business guarantee loans was 25 13 billion yuan, up11%year-on-year; The balance of student loans was143.4 billion yuan, a year-on-year increase of 12.3%. In March, the interest rate of new loans for Pratt & Whitney small and micro enterprises was 4.93%, down 17 basis points from the beginning of the year.
The central bank said: "In the first quarter, inclusive small and micro loans increased by 24.6% year-on-year. Among them, the growth rate of individual loans, that is, loans for individual industrial and commercial households and small and micro enterprises, is 2 1.3%, which is higher than the growth rate of various loans 10 percentage point or more. The launch of these loans has strongly supported the rescue of small and micro enterprises and individual industrial and commercial households, which is conducive to stabilizing market players. "
The interest rate of individual housing loans has dropped.
Since the beginning of this year, mortgage interest rates in Shanghai, Guangzhou, Shenzhen and other cities have been lowered to varying degrees. Earlier, Zou Lan, director of the Financial Markets Department of the central bank, said that the recent reduction in mortgage interest rates mainly occurred at the bank level. Since March, due to the weakening market demand, banks in more than 0/00 cities across the country have lowered their mortgage interest rates independently according to market changes and their own operating conditions, with an average range of 20 to 60 basis points.
The report pointed out that in the first quarter, real estate development loans increased more than in the previous quarter, and the interest rate of individual housing loans decreased. From the data point of view, at the end of the first quarter of 2022, the balance of RMB real estate loans was 53.22 trillion yuan, a year-on-year increase of 6%, which was lower than the growth rate at the end of last year 1.9 percentage points; In the first quarter, it increased by 779 billion yuan, accounting for 9.3% of the increase in various loans in the same period, 9.8 percentage points lower than the previous year's level.
At the end of the first quarter, the balance of real estate development loans was 12.56 trillion yuan, down 0.4 percentage points year-on-year, and the growth rate was 1.3 percentage points lower than that at the end of last year. In the first quarter, it increased by 290 billion yuan, an increase of 441400 million yuan over the fourth quarter of last year. The balance of individual housing loans was 38.84 trillion yuan, up 8.9% year-on-year, and the growth rate was 2.3 percentage points lower than the end of last year. In March, the new personal housing loan interest rate was 5.42%, down 17 basis points from the beginning of the year.
In addition, the growth rate of household loans slowed down and the interest rate of consumer loans dropped sharply. At the end of the first quarter of 2022, the balance of this household's operating loan was 17. 1 trillion yuan, up by 16% year-on-year, 3. 1 percentage point lower than the end of last year; In the first quarter, it increased by 888.7 billion yuan, a year-on-year decrease of 2.4/kloc-0.40 billion yuan. The balance of households' other consumer loans (excluding personal housing loans) was 16.42 trillion yuan, up 7. 1% year-on-year, and the growth rate was 2.4 percentage points lower than that at the end of last year. In the first quarter, it decreased by 654.38+050.2 billion yuan, a year-on-year decrease of 358.5 billion yuan. In March, the interest rate of new household loans for other consumption was 7.68%, which was 67 and 465,438+0 basis points lower than that at the beginning of the year and the same period of last year respectively.
The central bank said that in the field of consumption, financial institutions have also actively promoted personal consumption by lowering loan interest rates. The interest rate of individual housing loans decreased in the first quarter, and the new interest rate of individual housing loans was 5.42% in March, down 17 basis points from the beginning of the year. The interest rate of consumer loans has dropped even more, 67 basis points lower than that at the beginning of the year, which is helpful to further play the leading role of consumption in the economic cycle.
The National Business Daily reporter noted that recently, the central bank held a special meeting, emphasizing the implementation of a prudent management system for real estate finance, optimizing real estate credit policies in a timely manner, keeping real estate financing stable and orderly, and supporting rigid and improved housing demand.
Distribution of Loan Industry of Qingdao Rural Commercial Bank in 20021Year-end
At the end of 20021,the loan industry of Qingdao rural commercial bank was distributed in agriculture, countryside and farmers. Focusing on "agriculture, rural areas and farmers" and Pratt & Whitney, Qingdao Rural Commercial Bank has strengthened financial support for key customers such as small and micro enterprises, private enterprises, individual industrial and commercial households, small and micro enterprise owners and farmers, intensified product innovation and promotion, and made efforts to solve the problems of rural customers' difficulty in financing and finding insurance. Qingdao Rural Commercial Bank pays attention to financial service bottlenecks such as weak financial service foundation and lack of customer credit data in rural areas, and constantly strengthens technological empowerment, so that information can run more and customers can run less errands. The bank has successively developed characteristic agricultural products such as mortgage loans for rural land contractual management rights and financial poverty alleviation loan products such as rich agricultural loans. Cooperate with the Communist Youth League Committee to launch a series of products such as Qingchuang Pioneer Loan. The city's first talent loan, strong village loan and women's entrepreneurship loan were issued, which effectively connected financial services with the needs of agriculture, rural areas and farmers. By the end of 20021,the loan balance of Qingdao Rural Commercial Bank for farmers was1881700,000 yuan, the loan balance for supporting emerging agricultural business entities was17.57 million yuan, the loan amount for talents was1200,000 yuan, and the entrepreneurial loan for retired military personnel was 65,438+.
Non-performing rate of rural loans
Hello, the non-performing rate of rural loans refers to the non-performing rate of agricultural loans, rural micro-loans and rural cooperative financial loans issued by rural financial institutions. According to the data of the National Bureau of Statistics, as of March 3, 2020, the NPL ratios of agricultural loans, rural micro-loans and rural cooperative financial loans issued by rural financial institutions in China were 1.25%, 2.08% and 1.60% respectively. The level of non-performing rate depends on the management level of financial institutions and the repayment willingness of loan customers. Therefore, financial institutions should strengthen the management of loan customers, establish and improve the risk prevention and control mechanism, ensure the repayment willingness of loan customers and reduce the non-performing rate.
How to query agricultural insurance data for Nong Yu loan?
Nong Yu loan inquiry process guide.
1. The customer enters the loan interface of mobile banking, and clicks "Agricultural Quick Loan".
2. After the farmer's loan is entered, the customers who have not raised the amount or raised the amount but have no limit will be displayed as 0 in the "Estimated Maximum Loan Limit". Click "I want to withdraw the amount" under "Nong Yu Fast Loan _ Credit".
3. Enter the withdrawal interface and select the customer's city as the region. Customers can check the authorization of personal agriculture-related information inquiry below, check it at the authorization place on the left, and click "Agree to authorize".
4. If "Your inquiry about agriculture-related information is successful, and the quota will be updated in real time if it is raised" is displayed, the quota interface will be returned to display the customer quota. Customers can click "Apply Now" under the "Nong Yu Fast Loan Credit" module to enter the line application interface.
What is the current situation of farmers' loans in China?
At present, there are more than 2,000 counties and 800 million farmers in China, which is a huge market. According to the data released by China Banking Association, by the end of 20 15, the balance of agricultural loans of banking financial institutions was 26.4 trillion yuan, accounting for 28. 1% of all RMB loans. According to a survey conducted by the Social Research Center of the Institute of Rural Development of China Academy of Social Sciences, there are 16.8% people in rural areas of China who think they need money, 56.8% people say they are short of money, and 69.6% farmers think that rural loans are inconvenient. According to the data of China Rural Financial Services Report by the end of 20 14, the rural loan balance of financial institutions in China is 19.4 trillion yuan, accounting for less than 23% of the loan balance, and the county coverage rate of rural village banks is only 54%.
Where can I find the data of rural loans in various provinces over the years? Express deep gratitude
It can be found in China Financial Yearbook, but at most it can only be found in 18. You can apply in the website guest book, and apply for at most two yearbooks. It can also be found on the HowNet Economic and Social Big Data Research Platform or the website of China People's Bank.
Interest rates of different loan channels
1, credit card cash installment or cash-out: credit card holders often think of borrowing money or cash-out with their own credit cards. First of all, cashing is brushed out by some methods and requires a handling fee. Ten thousand yuan is about 60 yuan to 80 yuan. If the interest rate is calculated by stages, it will be at least above 10%.
2. Mortgage loan: At present, the interest rate of bank mortgage loan is basically between 6% and 8% according to local policies and bank policies. However, we still need collateral that meets the requirements, and we need to go through various procedures, which is more troublesome.
3. Bank credit loans: At present, many banks also provide various mobile phone credit loans, with annual interest rates ranging from 8% to 14%, which will be slightly different according to product attributes. In addition, with some repayment methods, the interest is about 15%.
4. Our company: There are already many loan companies with extremely low thresholds in the market. They only need to provide basic personal information, and they can provide loans ranging from thousands to hundreds of thousands. Low threshold will inevitably lead to high interest, and interest plus various handling fees is basically around 24%.
5. Small loan platforms: JD.COM Gold Bar, Bai Jie, Microfinance, Wanda Loan and other formal and reliable platforms all bear interest on a daily basis. The daily interest rate is about 0.05%, and the calculated annual interest rate is about 18%. There are also some mobile phone loan platforms with even higher interest rates, mostly around 36%, and the annual interest rate of some illegal online loans can even be as high as 200%.
The introduction of farmers' loan data and how to query farmers' loan data are over. I wonder if you found the information you need from it?