A year-on-year increase of 60.8 billion yuan in the first half of the year, and the increase in loans of the Postal Savings Bank of China reached a new high

　　The first 2022 interim results of a major state-owned bank were released.

According to the semi-annual report released by Postal Savings Bank of China on August 22, the bank's various loans increased by 537 billion yuan in the first half of the year, an increase of 60.8 billion yuan year-on-year, and the increase reached a record high for the same period in history.

As of the end of June 2022, the balance of agricultural-related loans of the Postal Savings Bank was 1.72 trillion yuan, an increase of 104.264 billion yuan from the end of the previous year; the medium and long-term loans to the manufacturing industry increased by 19.23% from the end of the previous year; "specialized, special and new" and technological innovation enterprise loan customers The number of households exceeded 20,000; the balance of green loans was 433.671 billion yuan, an increase of 16.49% over the end of the previous year.

　　At present, my country's economy continues to recover and develop, but there are still slight fluctuations, and it is at the most difficult point of economic stabilization.

The "Symposium on Some Financial Institutions" held by the People's Bank of China recently emphasized that major financial institutions, especially large state-owned banks, should strengthen macro-thinking, give full play to their leading and supporting roles, and maintain the stability of the growth of total loans.

　　"In the first half of the year, the banking industry as a whole was faced with the challenge of insufficient demand for effective credit. Our bank anticipated the market situation and adopted a series of effective strategies." Liu Jianjun, president of the Postal Savings Bank, said that in terms of the total amount arrangement, the Bank adhered to a stable The overall keynote of the year was that the credit increment for the whole year rose steadily, surpassing that of the whole year of last year.

In the first half of the year, various loans of the Postal Savings Bank increased by 537 billion yuan, an increase of 60.8 billion yuan year-on-year, and the increase reached a record high for the same period in history.

　　It is worth noting that, from the perspective of credit structure, in the increase in loans in the first half of the year, PSBC's physical loans accounted for 86% of all new loans.

"Most of the credit assets are invested in the real economy." Liu Jianjun said, among them, "three rural" finance, small and micro finance, green finance and other characteristic credits have a good growth momentum.

　　In terms of "Sannong" finance, the Postal Savings Bank has continued to increase the amount of agricultural-related credit, striving to "allow most Chinese farmers to have credit granted by the Postal Savings Bank and provide comprehensive financial services to hundreds of millions of farmers".

As of the end of June 2022, the bank's agriculture-related loan balance was 1.72 trillion yuan, an increase of 104.264 billion yuan compared with the end of the previous year, accounting for about a quarter of the total loan balance; the personal small loan balance exceeded 1 trillion yuan, an increase of 104.264 billion yuan from the end of the previous year. An increase of nearly 18%; the construction of the rural credit system has been accelerated, 304,100 credit villages have been built, and 4,861,500 credit users have been assessed.

　　"In terms of small and micro finance, as an advocate, pioneer and promoter of inclusive finance, we have been deeply involved in the small and micro financial market for a long time, constantly enriching products, and accelerating digital transformation." Liu Jianjun said that in the first half of the year, PSBC's inclusive small and micro enterprises The balance of corporate loans exceeded 1 trillion yuan, with a net increase of more than 130 billion yuan, a year-on-year increase of nearly 40%; the balance of online small and micro loans was 977.5 billion yuan, an increase of 37% from the end of the previous year.

　　In terms of green finance, Postal Savings Bank vigorously develops sustainable finance, green finance and climate financing. As of the end of June 2022, the balance of green loans was 433.7 billion yuan, an increase of 16% over the end of the previous year; the balance of green bond investment was 27.5 billion yuan, an increase of 27.5 billion yuan Year-end growth was 19%.

　　While credit growth is stable, it is also necessary to coordinate efforts to prevent financial risks.

In the first half of this year, the asset quality of the Postal Savings Bank of China remained at a relatively good level, and the risk compensation capacity was sufficient.

The bank's non-performing loan ratio was 0.83% at the end of June 2022, less than half the industry average.

In addition, the bank strictly implements asset classification, and currently all loans overdue for 60 days have been classified as non-performing.

"Whether it is product, customer access, or asset risk classification, PSBC has always adhered to prudent standards and emphasized full-process risk management, which is our core and key capability." Liang Shidong, chief risk officer of the bank, said that in the long run From the point of view, it is most important to focus on building excellent risk management capabilities, including the ability to have a deep insight into the industry, the ability to see the future, and the ability to intelligently control risk.

　　"Looking forward to the second half of the year, we have relatively strong confidence in completing the annual credit growth target. At present, more than 70% of credit issuance has been completed." In the transformation direction of "digitization, digitization and intensification", we will make efforts in ecological finance, industrial finance, collaborative finance, green finance and technology finance, and turn traditional advantages into differentiated advantages that will win the future.

　　For retail finance, PSBC will unremittingly promote the wealth management strategy, transform the resources endowment advantages of PSBC, such as outlets, customer groups, savings deposits, into wealth management development advantages, and realize the transformation from "savings bank" to "wealth management bank" rapid butterfly change.

For corporate financial business, Postal Savings Bank will focus more precisely on the target customer groups representing the direction of China's economic transformation, such as "specialized, sophisticated and innovative" and technological innovation enterprises, through the "commercial bank + investment bank + transaction bank" comprehensive financial service model and 1+N" comprehensive financial service system, providing a full range of professional financial services.

With regard to financial peers, PSBC will leverage its comparative advantages to promote the construction of an "interbank ecosystem", increase asset transaction circulation, and comprehensively enrich the value contribution of fund management business.

　　"Especially in terms of 'post-bank collaboration', China Post has the unique advantages of 'four-in-one' business flow, logistics, information flow, and capital flow, and has a strong ecological scene, huge channels, and massive information and data resources. We will make full use of these resources to build a more distinctive business model and service system." Liu Jianjun said, especially in the vast rural world and sinking market, it is better to let the scene, data and traffic realize value realization through the bank. to serve the key areas and weak links of the national economy.

Guo Ziyuan