On July 29, a press conference on the financial operation situation of Guangdong Province in the first half of 2022 was held in Guangzhou.

The reporter learned that the financial operation situation in Guangdong has undergone positive changes since the second quarter, showing the characteristics of increasing total volume and excellent structure.

　　"In terms of total volume, the growth rate has accelerated significantly, and the stability of growth has been significantly enhanced. In terms of structure, the investment direction has become more precise, and the growth of loans to key areas, weak links and groups seriously affected by the epidemic has been further improved." Deputy Governor of the People's Bank of China Guangzhou Branch Chen Yuhai introduced at the press conference.

　　Data show that in the first half of the year, Guangdong's social financing scale increased by 2.5 trillion yuan, a year-on-year increase of 295.4 billion yuan.

At the end of June, the balance of Guangdong's domestic and foreign currency loans was 23.9 trillion yuan, a year-on-year increase of 12.3%, and the growth rate was 0.3 percentage points higher than that at the end of the first quarter; the deposit balance was 31.3 trillion yuan, an increase of 9.7% year-on-year, and the growth rate was 0.6 percentage points higher than that at the end of the first quarter. percentage point.

In addition, compared with the end of the first quarter, the growth rate of manufacturing loans, inclusive small and micro loans, and agriculture-related loans all increased, and technological innovation enterprises and green loans continued to maintain rapid growth.

　　Text/Wang Chuhan, All Media Reporter of Guangzhou Daily

　　The scale of social financing and the total amount of money and credit continued to maintain stable and rapid growth

　　Chen Yuhai said that in the first half of the year, the scale of social financing in Guangdong increased by 295.4 billion yuan year-on-year, of which the second quarter increased by 159.6 billion yuan year-on-year, accounting for 54%, showing an expanding trend.

Guangdong's domestic and foreign currency loans increased year-on-year in each month of the second quarter, with an increase of 128 billion yuan year-on-year in the quarter. The loan growth rate picked up month by month, reaching 12.3% at the end of the second quarter, 0.3 percentage points higher than the end of the first quarter and 1.5% higher than the national level. percentage points, and the gap widened by 0.4 percentage points from the end of the first quarter.

Deposit growth also accelerated, with a growth rate of 9.7% at the end of the second quarter, up 0.6 percentage points from the end of the first quarter.

　　"The scale of social financing and deposits and loans are the total indicators of financial support for the real economy. Its increase will have a positive effect on the growth of the entire economy, and at the same time, it will also send an obvious signal to the market that liquidity is guaranteed." Chen Yuhai said, The scale of social financing and the total amount of money and credit continued to maintain stable and rapid growth, which was higher than the nominal growth rate of Guangdong’s economy in the same period, and the financial support for the real economy remained reasonable and sufficient, reflecting the policy requirements of counter-cyclical regulation, in order to hedge the downward pressure on the economy and support the economy. It has provided strong support for the economy to tide over the difficulties and stabilize the macroeconomic market.

　　Chen Yuhai introduced that, in light of the actual situation in Guangdong, individually or jointly with relevant departments, a series of policies and measures such as "23+10", "25" and "131" have been formulated and introduced successively to help enterprises with financial assistance and stabilize the macroeconomic market.

Implement the RRR cut policy well, and make good use of monetary policy tools such as re-lending and re-discounting, so as to enhance the willingness and ability of financial institutions to expand credit.

Continue to promote the construction of financing service platforms such as "Yuexin Rong", "Nongrong Tong" and Zhongzheng Accounts Receivable, extensively carry out various forms of policy publicity and financing matching activities, improve financial services, and effectively stimulate the financing needs of the real economy.

　　The increase in manufacturing loans in the first half of the year hit a record high

　　Chen Yuhai introduced that the dual functions of monetary policy tools in terms of total volume and structure should be fully utilized, and financial resources should be directed to key areas, weak links and groups severely affected by the epidemic.

Accelerate the implementation of special policy tools such as carbon emission reduction, technological innovation, transportation and logistics, establish a whitelist of policy support companies with relevant departments, guide financial institutions to actively connect with them, and increase their efforts in the fields of manufacturing, infrastructure, technological innovation, and green development. Credit support.

　　In the first half of the year, Guangdong's manufacturing loans increased by 393.6 billion yuan, an increase of 190.3 billion yuan year-on-year, and the increment hit a record high.

The balance of loans to the infrastructure sector increased by 14% year-on-year.

The balance of loans to small and medium-sized technology-based enterprises, high-tech enterprises, and specialized, specialized, and new "little giants" increased by 29.7%, 24.5%, and 68.4% year-on-year, respectively.

The balance of green loans increased by 58.9% year-on-year.

　　Personal housing loans increased by 63.5 billion yuan in the first half of the year

　　Chen Yuhai said that he will give full play to the guiding role of inclusive small and micro loan support tools, and introduce "21+8" measures to promote the establishment and improvement of a long-term mechanism for financial services to small and micro enterprises "dare to lend, willing to lend, able to lend, and meet loans", and to improve the first loan service. ability to improve inclusive small and micro financial services.

At the end of June, the balance of inclusive small and micro loans in Guangdong was 3.2 trillion yuan, a year-on-year increase of 25.7%, and the number of supported market entities reached 2.82 million, a year-on-year increase of 22.1%.

　　It is worth noting that Chen Yuhai mentioned that the differentiated housing credit policy has been implemented due to city-specific policies, and the reasonable financing needs of real estate companies and home buyers have been effectively met, and the growth margin of real estate loans has been improved.

In the first half of the year, real estate development loans increased by 63.9 billion yuan, and personal housing loans increased by 63.5 billion yuan, of which 17.7 billion yuan and 12.3 billion yuan were increased in June respectively. The number of mortgage loans accepted and issued by banking institutions increased by about 30% compared with May. .

　　Guide financial resources to tilt towards key areas and weak links

　　Chen Yuhai said that in the next step, the Guangzhou Branch of the People's Bank of China will, in accordance with the decisions and deployments of the People's Bank of China and the provincial party committee and government, carefully implement various financial policies and measures to stabilize enterprises and ensure employment, and further enhance the effectiveness of financial services in the real economy, in order to stabilize the macro economy. The broader market provides stronger support.

　　Specifically, it will guide financial resources to tilt towards key areas and weak links.

Focusing on high-quality development, we will increase credit in areas such as technological innovation, manufacturing, green development, and rural revitalization, and cultivate new economic growth points.

Focusing on stabilizing enterprises and bailouts, making good use of policy tools such as inclusive small and micro loans, transportation and logistics re-lending, and making every effort to support small and micro enterprises, difficult industries and vulnerable groups affected by the epidemic.

Focusing on the connection between banks and enterprises, the Bank promoted the application of financing service platforms such as “Yuexinrong”, “Nongrongtong” and Zhongzheng Accounts Receivable, accelerated the expansion of the first loan, and further improved the efficiency of bank-enterprise connection.

Adhere to city-specific policies, implement differentiated housing credit policies, better meet the reasonable housing needs of home buyers, and promote a virtuous circle and healthy development of the real estate industry.

　　In addition, continue to promote the construction of mobile payment convenience projects and mobile payment demonstration towns, promote the expansion of the Pearl River Delta credit chain to more areas in the Pan-Pearl River Delta, and promote banks to continue to improve the standardization, standardization and facilitation of account services.

Continue to release the efficiency of the reform of interest rate quoted in the loan market, and promote the steady decline of the comprehensive financing cost of enterprises.