Chinanews.com.cn, October 29. According to the central bank’s website on the 29th, the central bank released a statistical report on loan investment by financial institutions for the third quarter of 2021, stating that by the end of the third quarter of 2021, the balance of RMB loans by financial institutions was 189.46 trillion yuan, a year-on-year increase of 11.9 %; RMB loans increased by 16.72 trillion yuan in the first three quarters, an increase of 462.4 billion yuan year-on-year.

The growth rate of loans to enterprises and institutions rebounded, and short-term loans and bill financing increased significantly

  At the end of the third quarter of 2021, the balance of loans to enterprises and institutions in local and foreign currencies was 121.26 trillion yuan, an increase of 11.1% year-on-year, and the growth rate was 0.3 percentage points higher than the end of the previous quarter; the first three quarters increased by 10.72 trillion yuan, a year-on-year decrease of 90.2 billion yuan.

  In terms of maturity, the balance of short-term loans and bill financing was 43.62 trillion yuan, an increase of 4.4% year-on-year, and the growth rate was 2.7 percentage points higher than the end of the previous quarter; the first three quarters increased by 2.06 trillion yuan, a year-on-year decrease of 1.3 trillion yuan.

The balance of medium and long-term loans was 74.45 trillion yuan, a year-on-year increase of 15.3%, and the growth rate was 1.5 percentage points lower than the end of the previous quarter; the first three quarters increased by 8.37 trillion yuan, an increase of 1.09 trillion yuan year-on-year.

  In terms of usage, the fixed asset loan balance was 52.17 trillion yuan, a year-on-year increase of 10.7%, and the growth rate was 0.7 percentage points lower than the end of the previous quarter; the operating loan balance was 49.47 trillion yuan, a year-on-year increase of 10.4%, and the growth rate was lower than the end of the previous quarter. 1 percentage point.

The growth rate of medium and long-term loans to industry slowed down, and the growth rate of medium and long-term loans to the real estate industry dropped significantly

  At the end of the third quarter of 2021, the balance of medium and long-term industrial loans in domestic and foreign currencies was 13.05 trillion yuan, an increase of 24.1% year-on-year, and the growth rate was 1.7% lower than the end of the previous quarter; the first three quarters increased by 2.04 trillion yuan, an increase of 702 billion yuan year-on-year.

Among them, the balance of medium and long-term loans for heavy industry was 11.22 trillion yuan, a year-on-year increase of 23%, and the growth rate was 1.4 percentage points lower than the end of the previous quarter; the balance of medium and long-term loans for light industry was 1.82 trillion yuan, a year-on-year increase of 31.7%, and the growth rate was lower than the end of the previous quarter. 3.5 percentage points.

  At the end of the third quarter of 2021, the balance of medium and long-term loans for the domestic and foreign currency service industries was 49.72 trillion yuan, an increase of 12.4% year-on-year, and the growth rate was 2.1 percentage points lower than the end of the previous quarter; the first three quarters increased by 4.66 trillion yuan, a year-on-year decrease of 155.1 billion yuan .

The balance of medium and long-term loans in the real estate industry increased by 0.2% year-on-year, and the growth rate was 3 percentage points lower than at the end of the previous quarter.

Loan growth in the inclusive financial sector drops from a high level

  At the end of the third quarter of 2021, the balance of loans1 in the renminbi inclusive financial sector was 25.81 trillion yuan, a year-on-year increase of 23.1%, and the growth rate was 2.4 percentage points lower than the end of the previous quarter; an increase of 4.31 trillion yuan in the first three quarters, an increase of 630.3 billion yuan year-on-year .

  At the end of the third quarter of 2021, the balance of inclusive small and micro loans was 18.59 trillion yuan, a year-on-year increase of 27.4%, 3.6 percentage points lower than the end of the previous quarter; an increase of 3.5 trillion yuan in the first three quarters, an increase of 476.6 billion yuan year-on-year.

The balance of loans for production and operation of rural households was 6.8 trillion yuan, an increase of 13.4% year-on-year; the balance of business secured loans was 234.7 billion yuan, an increase of 18.8% year-on-year; the balance of student loans was 113.6 billion yuan, an increase of 11.1% year-on-year.

  At the end of the third quarter of 2021, the balance of loans for the original registered population was 110.5 billion yuan; the balance of loans for people out of poverty nationwide was 881.9 billion yuan.

Green loans maintain rapid growth

  At the end of the third quarter of 2021, the balance of domestic and foreign currency green loans2 was 14.78 trillion yuan, a year-on-year increase of 27.9%, 1.4 percentage points higher than the end of the previous quarter, and 16.5 percentage points higher than the growth rate of various loans, and an increase of 2.74 trillion yuan in the first three quarters .

Among them, loans invested in projects with direct and indirect carbon emission reduction benefits were 6.98 and 2.91 trillion yuan respectively, accounting for 66.9% of green loans in total.

  In terms of usage, the balances of loans for the green upgrading of infrastructure industry and clean energy industry were 6.99 trillion and 3.79 trillion yuan, a year-on-year increase of 25.7% and 22.8% respectively.

In terms of industries, the balance of green loans for the power, heat, gas, and water production and supply industries was 4.08 trillion yuan, a year-on-year increase of 22.5%, and an increase of 549.7 billion yuan in the first three quarters; the balance of green loans for the transportation, storage and postal industries was 4.02 trillion yuan , A year-on-year increase of 14.2%, an increase of 370.7 billion yuan in the first three quarters.

The growth rate of agricultural loans remains stable

  At the end of the third quarter of 2021, the balance of agricultural loans in domestic and foreign currencies was 42.64 trillion yuan, an increase of 10.1% year-on-year, and the growth rate was the same as at the end of the previous quarter; the first three quarters increased by 4 trillion yuan, an increase of 299.4 billion yuan year-on-year.

  At the end of the third quarter of 2021, the balance of loans in rural areas (county and below) was 35.62 trillion yuan, an increase of 11.3% year-on-year, and the growth rate was 0.2 percentage points lower than the end of the previous quarter; an increase of 3.62 trillion yuan in the first three quarters, an increase of 334.7 billion yuan year-on-year Yuan.

The balance of rural household loans was 13.22 trillion yuan, a year-on-year increase of 13.9%, and the growth rate was 1.2 percentage points lower than the end of the previous quarter; the first three quarters increased by 1.43 trillion yuan, an increase of 124.4 billion yuan year-on-year.

The balance of agricultural loans was 4.59 trillion yuan, an increase of 5.2% year-on-year, and the growth rate was 0.7 percentage points lower than that at the end of the previous quarter; the first three quarters increased by 327.6 billion yuan, a year-on-year decrease of 96.5 billion yuan.

Real estate loan growth continues to slow

  At the end of the third quarter of 2021, the balance of RMB real estate loans was 51.4 trillion yuan, an increase of 7.6% year-on-year, which was 4.3 percentage points lower than the growth rate of various loans and 1.9 percentage points lower than the growth rate at the end of the previous quarter; an increase of 3.03 trillion yuan in the first three quarters , Accounting for 18.1% of the increase in various loans over the same period, accounting for a decrease of 0.8 percentage points from the end of the previous quarter, and 7.3 percentage points lower than the annual level of the previous year.

  At the end of the third quarter of 2021, the balance of real estate development loans was 12.16 trillion yuan, a year-on-year increase of 0.02%, and the growth rate was 2.8 percentage points lower than the end of the previous quarter.

Among them, the balance of affordable housing development loans was 4.64 trillion yuan, a year-on-year decrease of 2%, and the rate of decline expanded 0.5 percentage points from the end of the previous quarter.

The balance of personal housing loans was 37.37 trillion yuan, an increase of 11.3% year-on-year, and the growth rate was 1.7% lower than the end of the previous quarter.

The growth rate of household loans dropped slightly

  At the end of the third quarter of 2021, the balance of domestic and foreign currency household loans was 69.54 trillion yuan, an increase of 13.2% year-on-year, and the growth rate was 1.9 percentage points lower than the end of the previous quarter; the first three quarters increased by 6.35 trillion yuan, an increase of 225.9 billion yuan year-on-year.

  At the end of the third quarter of 2021, the balance of domestic and foreign currency household operating loans was 15.96 trillion yuan, an increase of 20.1% year-on-year, 2.7 percentage points lower than the end of the previous quarter; an increase of 2.34 trillion yuan in the first three quarters, an increase of 409.5 billion yuan year-on-year.

The balance of household consumption loans was 53.58 trillion yuan, an increase of 11.2% year-on-year, and the growth rate was 1.8 percentage points lower than that at the end of the previous quarter; the first three quarters increased by 4 trillion yuan, a year-on-year decrease of 183.6 billion yuan.

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