First, the growth of medium and long-term loans in enterprises and institutions has accelerated.
At the end of the second quarter of 20021111trillion yuan, up 10.8% year-on-year, and the growth rate was 1.6 percentage points lower than that at the end of last year. In the first half of the year, it increased by 8.58 trillion yuan, a year-on-year decrease of 580.9 billion yuan.
By term, the balance of short-term loans and bills financing was 432 1 trillion yuan, up 1.7% year-on-year, and the growth rate dropped by 6.5 percentage points from the end of last year. In the first half of the year, it increased by 1.65 trillion yuan, a year-on-year decrease of 2.43 trillion yuan. The balance of medium and long-term loans was 72.69 trillion yuan, up 65,438+06.8% year-on-year, and the growth rate was 65,438+0.5 percentage points higher than that at the end of last year. In the first half of the year, it increased by 6.62 trillion yuan, an increase of 1.68 trillion yuan year-on-year.
In terms of use, the balance of fixed assets loans was 5 1.08 trillion yuan, up 1 1.4% year-on-year, and the growth rate was 0.2 percentage points lower than that at the end of last year. The balance of operating loans was 49.22 trillion yuan, up 1 1.4% year-on-year, and the growth rate was 1.5 percentage points lower than that at the end of last year.
Second, the growth rate of medium and long-term industrial loans continued to increase.
At the end of the second quarter of 20021,the balance of medium and long-term loans in local and foreign currency industries was 12.59 trillion yuan, up 25.8% year-on-year, and the growth rate was 5.8 percentage points higher than that at the end of last year. In the first half of the year, it increased by 1.59 trillion yuan, an increase of 750.7 billion yuan. Among them, the balance of medium and long-term loans for heavy industry was 10.85 trillion yuan, up 24.4% year-on-year, and the growth rate was 5.9 percentage points higher than the end of last year; The balance of medium and long-term loans in light industry was 1.74 trillion yuan, up 35.2% year-on-year, and the growth rate was 4.5 percentage points higher than that at the end of last year.
At the end of the second quarter of 20021,the balance of medium-and long-term loans in local and foreign currency service industry was 48.9 1 trillion yuan, up by 14.5% year-on-year, and the growth rate was 0.2 percentage point higher than that at the end of last year. In the first half of the year, it increased by 3.85 trillion yuan, an increase of 568 billion yuan. Medium and long-term loans in the real estate industry increased by 3.2% year-on-year, and the growth rate was 4.6 percentage points lower than that at the end of last year.
Three. Inclusive finance's loans maintained rapid growth.
At the end of the second quarter of 2002 1, the balance of RMB1loan in inclusive finance was 24.76 trillion yuan, up 25.5% year-on-year, which was 1.3 percentage points higher than that at the end of last year. In the first half of the year, it increased by 3.26 trillion yuan, an increase of 832.4 billion yuan.
At the end of the second quarter of 20021,the balance of Pratt & Whitney small and micro loans was 17.74 trillion yuan, up 3 1% year-on-year, and the growth rate was 0.7 percentage points higher than that at the end of last year. In the first half of the year, it increased by 2.65 trillion yuan, an increase of 673.4 billion yuan. The balance of loans for farmers' production and operation was 6.59 trillion yuan, a year-on-year increase of13.6%; The balance of business guarantee loans was 229.3 billion yuan, a year-on-year increase of 32.9%; The balance of student loans was 65.438+0238 billion yuan, a year-on-year increase of 654.38+065.438+0.2%.
At the end of the second quarter of 20021,the loan balance of the original population stock of Lika was filed 122 1 100 million yuan; The balance of loans for the poor nationwide was 855.6 billion yuan.
Fourth, the growth rate of green loans accelerated.
At the end of the second quarter of 2002 13.92 trillion yuan, the balance of local and foreign currency green loans increased by 26.5% year-on-year, which was 1.9 percentage points higher than that at the end of the first quarter and 1.87 percentage points higher than the growth rate of various loans. Among them, project loans with direct and indirect carbon emission reduction benefits are 6.79 trillion yuan and 2.58 trillion yuan respectively, accounting for 67.3% of the total green loans.
In terms of use, the loan balance of green upgrading industry of infrastructure and clean energy industry was 6.68 trillion yuan and 3.58 trillion yuan respectively, up by 26.5% and 65,438+09.9% respectively. By industry, the balance of green loans in transportation, warehousing and postal services was 3.98 trillion yuan, up 16.4% year-on-year, with an increase of 329.5 billion yuan in the first half of the year. The balance of green loans in electricity, heat, gas and water production and supply industries was 3.88 trillion yuan, up 20.2% year-on-year, with an increase of 355.4 billion yuan in the first half of the year.
Verb (abbreviation of verb) The growth rate of agricultural loans decreased slightly.
At the end of the second quarter of 20021,the balance of agricultural loans in local and foreign currencies was 4 1.66 trillion yuan, a year-on-year increase of/kloc-0.1%,and the growth rate was 0.6 percentage point lower than that at the end of last year. In the first half of the year, it increased by 3.03 trillion yuan, an increase of 207.2 billion yuan year-on-year.
At the end of the second quarter of 20021,the balance of rural (county and below) loans was 34.74 trillion yuan, a year-on-year increase of 1 1.5%, and the growth rate was 0.4 percentage points lower than that at the end of last year. In the first half of the year, it increased by 2.74 trillion yuan, an increase of 282.3 billion yuan year-on-year. The balance of farmers' loans was 12.86 trillion yuan, a year-on-year increase of 15. 1%, and the growth rate was 0.9 percentage points higher than that at the end of last year. In the first half of the year, it increased by 1.07 trillion yuan, an increase of 1.98 billion yuan year-on-year. The balance of agricultural loans was 4.53 trillion yuan, up 5.9% year-on-year, and the growth rate was 2. 1 and 1.6 percentage points lower than that at the end of the first quarter and last year, respectively. In the first half of the year, it increased by 267.6 billion yuan, a year-on-year decrease of 72.7 billion yuan.
6. The growth rate of real estate loans continued to decline.
At the end of the second quarter of 2002/kloc-0, the balance of RMB real estate loans was 50.78 trillion yuan, up 9.5% year-on-year, 2.8 percentage points lower than the growth rate of various loans and 2.2 percentage points lower than the growth rate at the end of last year; In the first half of the year, it increased by 2.42 trillion yuan, accounting for 18.9% of the increase of various loans in the same period, which was 6.5 percentage points lower than the annual level of the previous year.
At the end of the second quarter of 2002 12.3 trillion yuan, the balance of real estate development loans increased by 2.8% year-on-year, and the growth rate was 3.3 percentage points lower than that at the end of last year. Among them, the balance of affordable housing development loans was 4.65 trillion yuan, a year-on-year decrease of 1.5%, and the growth rate was 2.5 percentage points lower than that at the end of last year. The balance of individual housing loans was 36.58 trillion yuan, up 13% year-on-year, and the growth rate was 1.6 percentage points lower than that at the end of last year.
Seven, the accelerated growth of family business loans.
At the end of the second quarter of 20021,the balance of household loans in local and foreign currencies was 67.77 trillion yuan, a year-on-year increase of 15. 1%, and the growth rate was 0.9 percentage points higher than that at the end of last year. In the first half of the year, it increased by 4.58 trillion yuan, an increase of 1.03 trillion yuan year-on-year.
At the end of the second quarter of 20021,the balance of domestic and foreign currency household operating loans was 15.42 trillion yuan, up 22.8% year-on-year, and the growth rate was 2.8 percentage points higher than that at the end of last year. In the first half of the year, it increased by/kloc-0.8 trillion yuan, an increase of 592.4 billion yuan over the same period of last year. The balance of consumer loans reached 52.35 trillion yuan, up 13% year-on-year, and the growth rate was 0.3 percentage points higher than that at the end of last year. In the second quarter, it increased by 2.78 trillion yuan, an increase of 433 1 billion yuan.
Note: 1: According to the Notice of the People's Bank of China on the Directional Reduction of the Deposit Reserve Ratio in inclusive finance (Yinfa [2017] No.222) and the Notice of the People's Bank of China on the Adjustment of Relevant Assessment Criteria in the Directional Reduction of the Deposit Reserve Ratio (Yinfa [20 18), Loans in inclusive finance Middle School include loans for small and micro enterprises with a single-family credit of less than 6.5438+million yuan, loans for individual industrial and commercial households, loans for small and micro enterprises, loans for farmers' production and operation, loans for poverty-stricken people who set up a file, loans for business start-ups and loans for students.
Note 2: The poverty-stricken population includes the original file poverty-stricken population and the poverty-stricken population. Since the basic information provided by the State Council Poverty Alleviation Office distinguishes the information of people who have been out of poverty and those who have been out of poverty and do not enjoy the policy, according to the requirements of financial poverty alleviation policy, from 20 19, loans for people who have been out of poverty will no longer be included in loans for people who have been out of poverty and do not enjoy the policy.
Note 3: Green loans refer to loans issued by financial institutions to enterprises (institutions) as legal persons and other organizations or individuals who can be borrowers as stipulated by the state, which are used to support economic activities such as environmental improvement, coping with climate change and efficient utilization of resources, and to invest in energy conservation and environmental protection, cleaner production, clean energy, ecological environment, green upgrading of infrastructure and green services.
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