Recently, the 2021 annual report disclosure of 42 listed banks in Shanghai and Shenzhen has been completed.

The annual report data shows that in 2021, listed banks will insist on the return of finance to the origin, increase support for the real economy, increase the total amount of credit issuance, optimize the structure, and accurately direct funds to the key areas and weak links of the real economy, conveying the positive financial support for stable growth. Signal.

　　Experts believe that finance is the blood of the real economy.

At present, the banking industry continues to improve the accuracy and adaptability of financial services, which will play an important supporting role in stabilizing the macroeconomic market.

The manufacturing industry has been "strongly supported", the total amount of credit has increased, and the structure has been optimized

　　Facing the market opportunities for the development of lithium batteries, a new material technology company in Shanghai urgently needs to import a large amount of raw materials and expand production capacity.

"The local bank has tailored the import prepayment financing business for us, and also provided financial support through the investment-loan linkage model to help us develop and be selected as a national-level 'little giant' enterprise." The person in charge of the company said happily.

　　In 2021, the listed state-owned banks will exert the "head goose" effect, and the loan issuance will continue to increase.

Among them, manufacturing and other pillar industries of the national economy have become the "main force" to attract capital.

　　Data show that by the end of 2021, the balance of ICBC’s manufacturing loans exceeded 2 trillion yuan, and medium and long-term loans increased by 242.7 billion yuan over the previous year; China Construction Bank’s manufacturing medium and long-term loan balance was 671.741 billion yuan, an increase of 29.24% over the end of the previous year; China The medium and long-term loans of the banking industry increased by 129.1 billion yuan, an increase of 29%; the balance of the agricultural bank's manufacturing loans was 1.7 trillion yuan, an increase of 18.5% over the end of 2020; the balance of the Bank of Communications' manufacturing loans increased by 16.16% over the end of the previous year; Postal Savings Bank Medium- and long-term loans to manufacturing increased by 42.72%...

　　"Serving the real economy is the purpose of finance." Chen Siqing, chairman of ICBC, said at a press conference of the State Council Information Office earlier that in 2021, the average interest rate of ICBC's new manufacturing loans will drop again on the basis of 2020, which is effective. Help manufacturing enterprises, especially small and medium-sized manufacturing enterprises, reduce costs and increase efficiency.

　　"On the basis of our traditional advantages in the infrastructure sector, we have increased credit issuance to key areas such as manufacturing to better meet the financing needs of the real economy." Ji Zhihong, vice president of China Construction Bank, said at the performance conference.

　　In recent years, the financial management department has continued to guide financial institutions to increase support for the manufacturing industry, and both manufacturing loans and medium and long-term loans to manufacturing have achieved rapid growth.

According to data released by the China Banking and Insurance Regulatory Commission, as of the end of 2021, manufacturing loans increased by 2.8 trillion yuan from the beginning of the year, manufacturing medium and long-term loans increased by 2.1 trillion yuan, and manufacturing credit loans increased by 1.1 trillion yuan.

　　Experts believe that manufacturing is the foundation of a country and the foundation of a strong country.

One of the characteristics of the capital demand of manufacturing enterprises is that the demand for loans is large and the loan period is long. Financial institutions should optimize the credit structure, increase support for medium and long-term loans to the manufacturing industry, and promote the high-quality development of the manufacturing industry.

Inclusive finance has achieved "volume increase", "coverage expansion" and "price reduction"

　　"I didn't expect to get a loan at the touch of a finger. It's unbelievable. With the help of the bank, I have the confidence to survive the epidemic and my life will be more prosperous." Brother Zhang, a supermarket owner who received a loan of 955,000 yuan from a local bank said excitedly.

　　As an important cell of the national economy, if small and micro enterprises are stable, economic development will be stable and employment security will be stable.

For a long time, in order to solve the problems of "financing difficulty" and "expensive financing" for small and micro enterprises, banks have continued to increase their support for small and micro enterprises.

　　The annual report data shows that as of the end of 2021, Baixin Bank has launched four major product systems, namely supply loan, order loan, bank tax loan and breeding loan, with the “Baixingdai” as the main brand, and the inclusive small and micro enterprise loans have been issued 36.56%. 1.593 billion yuan was invested in rural revitalization and modern agriculture; the balance of inclusive loans to small and micro enterprises of China Merchants Bank was 601.1 billion yuan, an increase of 18.22% compared with the beginning of the year; the balance of inclusive loans of small and micro enterprises of Ping An Bank was 382.159 billion yuan, compared with 382.159 billion yuan. At the end of the previous year, it increased by 35.7%; the balance of inclusive loans to small and micro enterprises of Industrial Bank increased by 107.5 billion yuan compared with the end of the previous year...

　　At the same time, inclusive finance is also promising in supporting rural revitalization and development.

As the main force of local rural finance, as of the end of 2021, the balance of agriculture-related loans of Chongqing Rural Commercial Bank was 195.774 billion yuan, an increase of 25.36 billion yuan from the end of the previous year; the balance of agriculture-related loans of Zhangjiagang Rural Commercial Bank was 51.04 billion yuan, an increase of 7.253 billion yuan from the beginning of the year; The balance of agriculture-related loans of rural commercial banks was 59.48 billion yuan, an increase of 9.09 billion yuan or 18% over the beginning of the year...

　　The data is inseparable from the support of financial technology.

In recent years, more and more banks have innovated financial products through technology empowerment to achieve sustainable development of small and micro financial services.

For example, Shanghai Rural Commercial Bank launched products such as "Bank Tax Loan" and "Xinnong Le Loan", and the new business E-loan business exceeded 7 billion yuan. Model, as of the end of February 2022, the platform has solved a total of 116.9 billion yuan in financing needs, of which about 90% are inclusive small and micro loans.

　　"Since 2021, the People's Bank of China has guided commercial banking institutions to accelerate the construction of a long-term mechanism of 'dare to lend, willing to lend, able to lend, and meeting loans', and large commercial banks' inclusive small and micro loans have increased in volume, expanded in scope, and decreased in price. ', to stabilize enterprises and ensure employment, and to help small and micro enterprises develop sustainably and healthily." Dong Ximiao, chief researcher of China Merchants Union Finance, said that in the next step, the financial system should focus on both supply and demand, make in-depth use of financial technology, innovate products and services, and optimize small and medium-sized enterprises. Micro-finance service ecology, and promote the high-quality development of small and micro financial services.

Credit issuance comes first, and efforts are made to transmit financial support and stable growth signals

　　The reporter sorted out, from the information released by the 2021 performance conferences of various listed banks, many banks will continue to maintain a moderate growth in new loans in 2022, continue to optimize the credit structure, and send a positive signal that financial support stabilizes growth and stabilizes expectations.

　　Judging from the credit issuance of major banking institutions in the first quarter of 2022, the characteristics of forward and precise development are obvious.

"By the end of February this year, Bank of Communications' RMB loans had increased by 77.8 billion yuan year-on-year, and the rapid loan issuance was mainly due to the fact that we began to implement loan project reserve work from the fourth quarter of last year." Guo Mang, vice president of Bank of Communications, said.

　　The latest data shows that in the first quarter of 2022, new RMB loans were 8.34 trillion yuan, an increase of 663.6 billion yuan over the same period last year; new manufacturing loans were 1.8 trillion yuan, 1.7 times the increase in the same period last year; The balance of loans to small and micro enterprises was 20.6 trillion yuan, a year-on-year increase of 22.6%; the balance of loans to high-tech industries exceeded 7 trillion yuan; the interest rate of newly issued inclusive small and micro enterprise loans decreased by 0.25 percentage points from the beginning of the year.

　　"In the first quarter of 2022, financial services to the real economy have achieved remarkable results. The total amount of credit has continued to increase, the credit structure has continued to be optimized, financing costs have continued to decline, and support for the fight against the epidemic has continued to increase." said at a press conference.

　　The 2022 first quarter regular meeting of the Monetary Policy Committee of the People's Bank of China pointed out that it is necessary to take the lead in maintaining stability, seek progress while maintaining stability, strengthen inter-cyclical and counter-cyclical adjustment, increase the implementation of prudent monetary policy, and enhance forward-looking, precise, and autonomous. Give full play to the dual functions of monetary policy tools in terms of total volume and structure, take the initiative to respond, boost confidence, provide stronger support for the real economy, and stabilize the macroeconomic market.

　　Wen Bin, chief researcher of Minsheng Bank, said that since 2022, monetary policy has adhered to the "prudent" tone, which has released a clear signal to the market that the financial sector will continue to increase its efforts to support stable growth.

　　"The next step is to highlight the role of structural tools, guide financial institutions to increase targeted 'blood transfusion' to key areas, industries, and enterprises, improve the precision and directness of monetary policy, further transmit and dredge the monetary policy transmission mechanism, and increase financial support for financial institutions. Institutions are positively incentivizing, further improving the willingness and ability of financial institutions to provide credit, and playing an important supporting role in stabilizing the macroeconomic market." Dong Ximiao said.