1. Loan-related information: In June, the total loan increased by 919.8 billion, and the two interest rate cuts had a great impact.
The central bank released the financial statistics report for the first half of the year on June 5438+02. 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 central bank's interest rate cut in early June 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 for export, infrastructure, affordable housing and other fields, which improved credit supply and demand.
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 1 billion yuan compared with May. Among them, in addition to the obvious increase in 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 loan interest rate again on July 6 12, and further adjusted the lower limit of the floating range of the loan interest rate of financial institutions to 0.7 times, and continued to expand the floating range of the loan interest rate, so that banks can have more independent choices within the floating range of the interest rate.
For mortgage, lowering the loan interest rate has a great impact on the mortgage market. /kloc-cut interest rates twice in 0/month, reducing the monthly interest rate of millions of home buyers with loans for 20 years by nearly 300 yuan. Although the reduction of mortgage burden by two interest rate cuts is not great, it 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 go down to stimulate loan demand. For lenders, loans will be smoother to meet the demand of stimulating market consumption.