In June, new RMB loans rebounded in an all-round way in financial data, not only RMB loans, but also the scale of social financing, both of which hit the highest value in the same period in history. According to the latest data 1 1 released by the People's Bank of China in July, in June this year, RMB loans increased by 28 1 trillion yuan, an increase of 686.7 billion yuan in the same proportion, setting a record for the same period in history.
With the steady implementation of various economic policies, the support of financial institutions to the real economy has also been increasing, the effective demand for credit has rebounded significantly, and the credit structure has also been significantly optimized. Therefore, the overall financial data in June exceeded market expectations, and the macro-economy of bathroom owners continued to recover and develop in a good direction.
New RMB loans hit a new high in the same period, indicating that the loan term structure has improved. Judging from the new loans and structure in June, the new medium-and long-term loans in the residential sector were about 4167 billion yuan, a substantial increase from May. At the same time, short-term loans have also increased year-on-year, which reflects that residents' lives are accelerating recovery, driving consumer demand, and domestic real estate demand is also obviously picking up.
New RMB loans hit a new high in the same period, indicating that the increase in social financing exceeded expectations, and RMB loans and government bond financing are still the main contributions. Under the background of financial strength, in the first half of the year, 3.4 trillion yuan of special bonds have been actually issued in various places, and the issuance progress is about 99%; In June, the issuance scale of local government bonds reached 1.93 trillion yuan, and the net financing amount reached 1.7 trillion yuan, an increase of 1 billion yuan year-on-year, and the financing of government bonds remained at a high level.
New RMB loans hit a new high in the same period, which also indicates that financial data may continue to be strong in the short term. On the whole, financial data surged in June, and the credit effect was obvious. 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 will be moderate in the second half of the year and the external financial environment is tightening, it should not shake the policy tone of focusing on China.
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1. Relevant information about loans: In June, the total amount of loans increased by 919.8 billion, and the two interest rate cuts had a great impact.
On June 5438+02, the central bank announced the financial statistics report for the first half of the year. The data shows that RMB loans increased by 919.8 billion yuan in June, an increase of126.6 billion yuan compared with May. New loans rose rapidly, and the total amount of social financing continued to increase, indicating that policy relaxation has achieved initial results, but measures to stabilize growth such as expanding infrastructure investment still need to be strengthened.
Kuaiyi Loan believes that the interest rate cut by the central bank in early June has improved the credit demand faced by banks to some extent. At the same time, in early June, the China Banking Regulatory Commission asked commercial banks to increase credit support in the fields of export, infrastructure and affordable housing, which improved the supply and demand of credit.
From the perspective of loan structure, the proportion of bill financing and short-term loans in new loans increased again in June, and the proportion of medium-and long-term loans decreased from 34% in the previous month to 30.7%, indicating that the effect of financial sector's increasing support for "steady growth" projects has not been fully exerted. In June, the scale of social financing was 1.78 trillion yuan, an increase of 638,654.38+0 billion yuan compared with May. Among them, in addition to the obvious growth of loans, corporate bond financing increased by 654.38+0952 billion yuan, an increase of more than 50 billion yuan for the second consecutive month. The expansion of the bond market has become an important force for liquidity easing.
In addition, it is worth noting that less than one month before the interest rate cut in early June, the central bank lowered the lending rate 12 again on July 6, and further adjusted the lower limit of the floating range of lending rates of financial institutions to 0.7 times, and continued to expand the floating range of lending rates, so that banks have more independent choices in the floating range of interest rates.
For mortgage loans, lowering the loan interest rate has a great impact on the mortgage market. Two interest rate cuts within 1 month will reduce the monthly interest of1100,000 home buyers who have borrowed for 20 years by nearly 300 yuan. Although the two interest rate cuts have not greatly reduced the mortgage burden, they will have a great psychological impact on buyers. Judging from the positive impact of this interest rate cut on the market, the loan interest rate will definitely drop and the loan demand will increase. For the lender, the loan will be smoother to meet the market consumption demand.
In June, credit increased by 686.7 billion yuan, and the scale of social financing increased by 1.47 trillion yuan. What signals were released?
In June, the scale of RMB credit in China increased by 686.7 billion yuan, and the scale of social financing increased by/kloc-0.47 billion yuan. From these financial data, we can see that China's macro-control efforts are constantly strengthening, which is also an important symbol of China's economic recovery.
1. Domestic consumption rebounded and economic recovery accelerated.
According to the latest data, the newly-increased medium-and long-term loans in the residential sector are about 4167 billion yuan, which is a significant increase compared with May, which fully shows that China's current consumption policy has played an important role. At the same time, with the targeted control of the epidemic, residents' consumer confidence has become more firm, and the real estate market has also improved, especially the number of second-hand housing transactions has also increased significantly.
2. The effect of fiscal policy in advance is obvious.
Judging from these data, the rapid growth of fiscal expenditure in China years ago began to show gradually. This sharp increase in credit scale is closely related to the current RMB loans and the government's securities lending business. As the main participant in macro-control, the government has also played an extremely important role in promoting local investment in China. In particular, the investment growth driven by new infrastructure construction in various places is also an important reason for the rebound of this data.
3. The effects of stabilizing employment and promoting growth have been fully demonstrated.
Our country put forward the policy of stabilizing employment and promoting growth years ago, hoping to help small and medium-sized enterprises tide over the difficulties smoothly during the epidemic. We can also see this signal in this data. Monetary policy has always played an important role in stabilizing employment, stabilizing prices and promoting growth. In particular, financial institutions have increased their support for small and micro loans, and preferential loans for small enterprises have also been continuously strengthened. The preferential policies that small and micro enterprises can enjoy are also increasing. Focus on stabilizing the supply chain of the industrial chain and play a good role in helping enterprises tide over the difficulties.
New RMB loans hit a record high in the same period of history. What factors have influenced this?
The loan term structure has been improved. According to central bank data, RMB loans increased by 28,654.38+0 trillion yuan in June, an increase of 686.7 billion yuan year-on-year. "Affected by the end-of-season impulse, the increase in loans in June was a seasonal phenomenon, but it increased by nearly 700 billion yuan year-on-year, the largest increase in the same period in history, indicating that the aggregate function of counter-cyclical adjustment of monetary policy is giving full play.
Let's stop here about the introduction of new RMB loans in June.