Chinanews.com.cn, July 31. According to the central bank website, the central bank released a statistical report on the loan direction of financial institutions in the second quarter of 2020 on the 31st: At the end of the second quarter of 2020, the balance of RMB loans by financial institutions was 165.2 trillion yuan, a year-on-year increase of 13.2% ; An increase of 12.09 trillion yuan in the first half of the year, an increase of 2.42 trillion yuan year-on-year.
Loans to enterprises and institutions grew steadily, and the growth rate of medium and long-term loans continued to increase
At the end of the second quarter of 2020, the balance of loans to enterprises and institutions in local and foreign currencies was 107.53 trillion yuan, a year-on-year increase of 12.8%, and the growth rate was 0.8 percentage points higher than the end of the previous quarter; an increase of 9.16 trillion yuan in the first half of the year, an increase of 2.88 trillion yuan year-on-year.
In terms of maturity, the balance of short-term loans and bill financing was 42.51 trillion yuan, an increase of 12.4% year-on-year, and the growth rate was the same as at the end of the previous quarter; the first half of the year increased by 4.08 trillion yuan, an increase of 1.40 trillion yuan year-on-year. The balance of medium and long-term loans was 62.22 trillion yuan, an increase of 13.4% year-on-year, and the growth rate was 1.6 percentage points higher than the end of the previous quarter; the first half of the year increased by 4.94 trillion yuan, an increase of 1.47 trillion yuan year-on-year.
In terms of usage, the fixed asset loan balance was 45.85 trillion yuan, an increase of 12.1% year-on-year, and the growth rate was 0.8 percentage points higher than the end of the previous quarter; the operating loan balance was 44.18 trillion yuan, an increase of 11.0% year-on-year, and the growth rate was higher than the end of the previous quarter 1.3 percentage points.
The growth rate of medium and long-term loans to industry has increased significantly, and the growth of medium and long-term loans to service industries excluding real estate has accelerated
At the end of the second quarter of 2020, the balance of medium and long-term industrial loans in domestic and foreign currencies was 10.01 trillion yuan, an increase of 12.8% year-on-year, and the growth rate was 4.5 percentage points higher than the end of the previous quarter; an increase of 836.5 billion yuan in the first half of the year, an increase of 554 billion yuan year-on-year. Among them, the balance of medium and long-term loans for heavy industry was 8.72 trillion yuan, a year-on-year increase of 11.4%, and the growth rate was 4.3 percentage points higher than the end of the previous quarter; the balance of medium and long-term loans for light industry was 1.29 trillion yuan, a year-on-year increase of 23.2%, and the growth rate was higher than the end of the previous quarter. 5.9 percentage points.
At the end of the second quarter of 2020, the balance of medium and long-term loans for the service industry in domestic and foreign currencies was 42.70 trillion yuan, an increase of 13.8% year-on-year, and the growth rate was 0.9 percentage points higher than the end of the previous quarter; the first half of the year increased by 3.28 trillion yuan, an increase of 719.9 billion yuan year-on-year. The balance of medium and long-term loans to the service industry, excluding the real estate industry, increased by 15.6% year-on-year, which was 1.6 percentage points higher than the end of the previous quarter, and was 2 percentage points higher than the growth of medium and long-term loans for all industries in the same period. The balance of medium and long-term loans in the real estate industry increased by 9.7% year-on-year, which was 0.8 percentage points lower than the end of the previous quarter.
Loans in the inclusive finance sector maintained rapid growth
At the end of the second quarter of 2020, the balance of loans1 in the renminbi inclusive financial sector was 19.72 trillion yuan, an increase of 20.7% year-on-year, and the growth rate was 3 percentage points higher than the end of the previous quarter; the first half of the year increased by 2.43 trillion yuan, an increase of 937.2 billion yuan year-on-year.
At the end of the second quarter of 2020, the balance of inclusive small and micro loans was 13.55 trillion yuan, a year-on-year increase of 26.5%, and the growth rate was 2.9 percentage points higher than the end of the previous quarter; an increase of 1.97 trillion yuan in the first half of the year, an increase of 753.9 billion yuan year-on-year. The balance of loans for production and operation of rural households was 5.80 trillion yuan, a year-on-year increase of 9.6%, and the growth rate was 2.7 percentage points higher than the end of the previous quarter; the balance of business secured loans was 172.6 billion yuan, a year-on-year increase of 34.8%; the balance of student loans was 111.3 billion yuan, a year-on-year increase of 12.2 %.
At the end of the second quarter of 2020, the balance of loans for poor people in the filed and registered card was 182.9 billion yuan. Taking into account the policy of not getting out of poverty, the balance of loans for the poor and the people who have been out of poverty has been set up to be 742.9 billion yuan.
Green loan growth has accelerated
At the end of the second quarter of 2020, the balance of domestic and foreign currency green loans2 was 11.01 trillion yuan, an increase of 10.8% over the beginning of the year, of which the unit green loan balance was 10.97 trillion yuan, accounting for 10.2% of loans to enterprises and institutions in the same period.
In terms of usage, the balances of loans for the green upgrading of infrastructure and clean energy industries were 5.28 trillion and 2.99 trillion yuan, an increase of 11.1% and 5.9% respectively over the beginning of the year. In terms of industries, the green loan balance of transportation, storage and postal industries was 3.42 trillion yuan, an increase of 6.8% over the beginning of the year; the green loan balance of electricity, heat, gas and water production and supply industries was 3.23 trillion yuan, an increase of 7.1% over the beginning of the year.
"Agriculture, rural areas and farmers" loan growth continues to pick up
At the end of the second quarter of 2020, the balance of agricultural loans in domestic and foreign currencies was 37.83 trillion yuan, an increase of 10.5% year-on-year, 1.5 percentage points higher than the end of the previous quarter; an increase of 2.82 trillion yuan in the first half of the year, an increase of 1.08 trillion yuan year-on-year.
At the end of the second quarter of 2020, the balance of rural loans (county and below) was 31.17 trillion yuan, an increase of 11.3% year-on-year, and the growth rate was 1.5 percentage points higher than the end of the previous quarter; an increase of 2.46 trillion yuan in the first half of the year, an increase of 945.6 billion yuan year-on-year . The balance of rural household loans was 11.18 trillion yuan, a year-on-year increase of 13.3%, 1.4 percentage points higher than the end of the previous quarter; an increase of 872.6 billion yuan in the first half of the year, an increase of 164.6 billion yuan year-on-year. The balance of agricultural loans was 4.28 trillion yuan, an increase of 6.2% year-on-year, and the growth rate was 2.9 percentage points higher than that at the end of the previous quarter; an increase of 340.3 billion yuan in the first half of the year, an increase of 209.3 billion yuan year-on-year.
Real estate loan growth continues to fall
At the end of the second quarter of 2020, the balance of RMB real estate loans was 47.40 trillion yuan, a year-on-year increase of 13.1%, which was 0.1 percentage point lower than the growth rate of various loans, and 0.8 percentage points lower than the end of the previous quarter, and fell for 23 consecutive months; an increase of 2.99 in the first half of the year Trillion yuan, accounting for 24.7% of the increase in various loans over the same period, 9.3 percentage points lower than the annual level of the previous year.
At the end of the second quarter of 2020, the balance of real estate development loans was 11.97 trillion yuan, a year-on-year increase of 8.5%, and the growth rate was 1.1 percentage points lower than the end of the previous quarter. Among them, the balance of affordable housing development loans was 4.72 trillion yuan, a year-on-year increase of 2.5%, and the growth rate was 1.4 percentage points lower than the end of the previous quarter. The balance of personal housing loans was 32.36 trillion yuan, a year-on-year increase of 15.7%, and the growth rate was 0.2 percentage points lower than the end of the previous quarter.
Household operating loans accelerate growth
At the end of the second quarter of 2020, the balance of domestic and foreign currency household loans was 58.88 trillion yuan, an increase of 14.0% year-on-year, and the growth rate was 0.3 percentage points higher than the end of the previous quarter; an increase of 3.55 trillion yuan in the first half of the year, a year-on-year decrease of 204.1 billion yuan.
At the end of the second quarter of 2020, the balance of domestic and foreign currency household operating loans was 12.56 trillion yuan, an increase of 15.9% year-on-year, and the growth rate was 2.9 percentage points higher than the end of the previous quarter; the first half of the year increased by 1.21 trillion yuan, an increase of 456.2 billion yuan year-on-year. The balance of household consumer loans was 46.32 trillion yuan, a year-on-year increase of 13.5%, 0.4 percentage points lower than the end of the previous quarter; an increase of 2.34 trillion yuan in the first half of the year, a year-on-year decrease of 660.2 billion yuan.