China News Service, July 29. According to the People's Bank of China statistics, at the end of the second quarter of 2022, the balance of various RMB loans of financial institutions was 206.35 trillion yuan, an increase of 11.2% year-on-year; in the first half of the year, RMB loans increased by 136,800 100 million yuan, a year-on-year increase of 919.2 billion yuan.

　　1. Loans to enterprises and institutions continued to grow

　　At the end of the second quarter of 2022, the loan balance of domestic and foreign currency enterprises and institutions was 134.15 trillion yuan, a year-on-year increase of 12.6%, and the growth rate was 1.6 percentage points higher than that at the end of the previous year.

　　In terms of terms, the balance of short-term loans and bill financing was 49.42 trillion yuan, a year-on-year increase of 14.4%, and the growth rate was 8.2 percentage points higher than that at the end of the previous year;

The balance of medium and long-term loans was 81.41 trillion yuan, a year-on-year increase of 12%, and the growth rate was 2 percentage points lower than that at the end of the previous year;

　　In terms of different purposes, the balance of fixed asset loans was 55.8 trillion yuan, an increase of 9.2% year-on-year, and the growth rate was 0.9 percentage points lower than that at the end of the previous year; the balance of operating loans was 54.68 trillion yuan, an increase of 11.1% year-on-year, and the growth rate was 1.3 percentage points higher than that at the end of the previous year. percentage point.

　　2. The growth rate of medium and long-term loans to the industry is relatively high, while the growth rate of medium and long-term loans to the service industry and infrastructure industry1 has slowed down.

　　At the end of the second quarter of 2022, the balance of industrial medium and long-term loans in domestic and foreign currencies was 15.25 trillion yuan, a year-on-year increase of 21.2%, 10.4 percentage points higher than the growth rate of various loans, and 1.4 percentage points lower than the end of the previous year; an increase of 1.81 trillion yuan in the first half of the year. A year-on-year increase of 218.1 billion yuan.

Among them, the balance of medium and long-term loans for the heavy industry was 13.04 trillion yuan, a year-on-year increase of 20.2%, and the growth rate was 1.3 percentage points lower than that at the end of the previous year; percentage point.

　　At the end of the second quarter of 2022, the balance of medium and long-term loans in the domestic and foreign currency service industry was 53.3 trillion yuan, a year-on-year increase of 9%, and the growth rate was 2 percentage points lower than that at the end of the previous year.

The balance of medium and long-term loans in the real estate industry fell by 1.4% year-on-year, and the decline was 0.9 percentage points higher than that at the end of the previous year.

　　At the end of the second quarter of 2022, the balance of medium and long-term loans for infrastructure in local and foreign currencies was 31.02 trillion yuan, a year-on-year increase of 12.5%, 1.7 percentage points higher than various loans and 2.8 percentage points lower than the end of the previous year; an increase of 2.15 trillion yuan in the first half of the year, a year-on-year increase. A decrease of 341.9 billion yuan.

　　3. Loans in the field of inclusive finance maintained rapid growth

　　At the end of the second quarter of 2022, the balance of RMB inclusive finance2 loans was 29.91 trillion yuan, a year-on-year increase of 20.8%, 9.6 percentage points higher than various loans, and 2.4 percentage points lower than the end of the previous year; an increase of 3.41 trillion yuan in the first half of the year, a year-on-year increase An increase of 153.5 billion yuan.

　　At the end of the second quarter of 2022, the balance of inclusive small and micro loans was 21.96 trillion yuan, a year-on-year increase of 23.8%, and the growth rate was 3.5 percentage points lower than the end of the previous year, of which credit loans accounted for 19.5%, 1.4 percentage points higher than the end of the previous year; An increase of 813.2 billion yuan, a year-on-year increase of 137.5 billion yuan.

The balance of farmer production and business loans was 7.49 trillion yuan, a year-on-year increase of 13.6%; the balance of business guarantee loans was 260.2 billion yuan, a year-on-year increase of 13.5%; the student loan balance was 139.4 billion yuan, a year-on-year increase of 12.6%.

　　At the end of the second quarter of 2022, the national loan balance for the people out of poverty was 979.4 billion yuan, a year-on-year increase of 14.5%, and an increase of 65.3 billion yuan in the first half of the year.

　　4. Green loans maintain rapid growth

　　At the end of the second quarter of 2022, the balance of domestic and foreign currency green loans3 was 19.55 trillion yuan, a year-on-year increase of 40.4%, 7.4 percentage points higher than the end of the previous year, 29.6 percentage points higher than the growth rate of various loans, and an increase of 3.53 trillion yuan in the first half of the year.

Among them, loans to projects with direct and indirect carbon emission reduction benefits were 8 and 4.93 trillion yuan respectively, accounting for 66.2% of green loans in total.

　　In terms of different uses, the balance of loans to infrastructure green upgrade industries, clean energy industries, and energy conservation and environmental protection industries was 8.82, 5.04, and 2.63 trillion yuan, up 32.2%, 40.8%, and 62.8% year-on-year, respectively.

In terms of different industries, the balance of green loans for the electricity, heat, gas and water production and supply industries was 5.08 trillion yuan, a year-on-year increase of 30.8%, and an increase of 603.9 billion yuan in the first half of the year; the balance of green loans for the transportation, warehousing and postal industries was 4.39 trillion yuan. A year-on-year increase of 10.3%, an increase of 263.1 billion yuan in the first half of the year.

　　5. The growth rate of agriculture-related loans is steady with a slight increase

　　At the end of the second quarter of 2022, the balance of agriculture-related loans in domestic and foreign currencies was 47.1 trillion yuan, a year-on-year increase of 13.1%, and the growth rate was 2.2 percentage points higher than that at the end of the previous year;

　　At the end of the second quarter of 2022, the balance of rural (county and below) loans was 39.27 trillion yuan, a year-on-year increase of 13%, and the growth rate was 0.9 percentage points higher than that at the end of the previous year.

The balance of loans to farmers was 14.39 trillion yuan, an increase of 11.9% year-on-year, and the growth rate was 2.1 percentage points lower than that at the end of the previous year;

The balance of agricultural loans was 4.95 trillion yuan, a year-on-year increase of 9.2%, and the growth rate was 2.1 percentage points higher than that at the end of the previous year;

　　6. The growth rate of real estate loans slowed down

　　At the end of the second quarter of 2022, the balance of RMB real estate loans was 53.11 trillion yuan, a year-on-year increase of 4.2%4, 3.7 percentage points lower than the growth rate at the end of the previous year; 14.2 percentage points lower than the level of the previous year.

　　At the end of the second quarter of 2022, the balance of real estate development loans was 12.49 trillion yuan, a year-on-year decrease of 0.2%, and the growth rate was 1.1 percentage points lower than that at the end of the previous year.

Among them, the balance of affordable housing development loans was 4.56 trillion yuan, a year-on-year decrease of 1.9%, a decrease of 0.3 percentage points from the end of the previous quarter.

The balance of personal housing loans was 38.86 trillion yuan, a year-on-year increase of 6.2%, and the growth rate was 5.1 percentage points lower than that at the end of the previous year.

　　7. The growth rate of household loans slowed down

　　At the end of the second quarter of 2022, the balance of domestic and foreign currency household loans was 73.29 trillion yuan, an increase of 8.2% year-on-year, and the growth rate was 4.3 percentage points lower than that at the end of the previous year;

　　At the end of the second quarter of 2022, the balance of domestic and foreign currency household operating loans was 17.75 trillion yuan, a year-on-year increase of 15.1%, 4 percentage points lower than the end of the previous year; in the first half of the year, it increased by 1.54 trillion yuan, a year-on-year decrease of 264.1 billion yuan.

The balance of other consumer loans (excluding personal housing loans) of households was 16.68 trillion yuan, a year-on-year increase of 5.8%, and the growth rate was 3.7 percentage points lower than that at the end of the previous year;

(Zhongxin Finance)

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