The loan growth of enterprises and institutions accelerated, and the growth rate of medium and long-term loans increased more. At the end of the third quarter of 2022, the loan balance of local and foreign currency enterprises and institutions was 137.08 trillion yuan, up by 13. 1% year-on-year, and the growth rate was 0.5 percentage point higher than that of the first half of the year and 2. 1 percentage point higher than that of the end of the previous year. In the first three quarters, it increased by 14.5 trillion yuan, an increase of 3.77 trillion yuan.
Inclusive finance's loans maintained rapid growth. At the end of the third quarter of 2022, the balance of RMB loans in inclusive finance was 3 1.39 trillion yuan, up 2 1.6% year-on-year, which was 10.4 percentage points higher than various loans and 1.6 percentage points lower than the end of last year. In the first three quarters, it increased by 4.89 trillion yuan, an increase of 575.7 billion yuan.
At the end of the third quarter of 2022, the balance of Pratt & Whitney small and micro loans was 23./kloc-0.6 trillion yuan, a year-on-year increase of 24.6%, and the growth rate was 2.7 percentage points lower than that at the end of last year. In the first three quarters, it increased by 3.94 trillion yuan, an increase of 444.3 billion yuan. The balance of farmers' production and operation loans was 7.76 trillion yuan, a year-on-year increase of14.2%; The balance of business guarantee loans was 269.4 billion yuan, a year-on-year increase of14.8%; The balance of student loans was 654.38+033.6 billion yuan, a year-on-year increase of 654.38+07.7%.
In addition, the growth rate of medium and long-term industrial loans continued to increase; The growth rate of agricultural loans has steadily increased; The growth rate of real estate loans slowed down and the growth rate of real estate development loans increased; The growth rate of household operating loans rebounded, and the growth rate of household consumption loans continued to decline.