Ruan Jianhong, spokesperson of the People's Bank of China and director of the Investigation and Statistics Department, said on the 14th that in the first half of the year, the loans of financial institutions increased by 15.73 trillion yuan, an increase of 2.02 trillion yuan year-on-year, showing the financial system's impact on the real economy. Support has been further strengthened. From the perspective of industry investment, new loans are mainly invested in key areas such as manufacturing and infrastructure industries. The growth of loans in the real estate industry has also shown a continuous recovery trend, and the structure of the loan industry has been further optimized.
Ruan Jianhong said that from the perspective of loan subjects, loans to enterprises (institutions) were the main body of loan increment in the first half of the year. In the first half of the year, loans to enterprises (institutions) increased by 12.81 trillion yuan, an increase of 1.42 trillion yuan year-on-year, accounting for 81.5% of the total credit increment. Household loans increased by 2.80 trillion yuan, an increase of 572.3 billion yuan year-on-year. The increase in household loans was mainly due to the increase in personal business loans and short-term consumption loans. In the first half of the year, personal business loans increased by 2.3 trillion yuan, an increase of 759.3 billion yuan year-on-year; personal short-term consumption loans increased by 300.9 billion yuan, an increase of 401.9 billion yuan year-on-year.
From the perspective of industry investment, new loans are mainly invested in key areas such as manufacturing and infrastructure industries. The growth of loans in the real estate industry has also shown a continuous recovery trend, and the structure of the loan industry has been further optimized. Specifically:
The growth rate of medium and long-term loans to the manufacturing industry remained at a relatively high level. At the end of June, medium and long-term loans to the manufacturing industry increased by 40.3% year-on-year, 10.7 percentage points higher than the same period of the previous year, and 22.3 percentage points higher than the growth rate of medium and long-term loans in all industries. In the first half of the year, new loans amounted to 2.15 trillion yuan, an increase of 821.9 billion yuan year-on-year. Among them, medium and long-term loans to high-tech manufacturing industry increased by 41.5% year-on-year, 11.5 percentage points higher than the same period in the first half of the year. In the first half of the year, new medium- and long-term loans for high-tech manufacturing were 483.5 billion yuan, an increase of 184.7 billion yuan year-on-year.
Look again at the infrastructure industry. Medium and long-term loans in the infrastructure industry grew relatively fast. At the end of June, medium and long-term loans in the infrastructure industry increased by 15.8% year-on-year, 3.3 percentage points higher than the same period of the previous year. The increase in the first half of the year was 3.25 trillion yuan, an increase of 1.1 trillion yuan year-on-year.
The growth rate of medium and long-term loans in the real estate industry continued to rise. At the end of June, medium and long-term loans in the real estate industry increased by 7.1%, 0.2 and 8.5 percentage points higher than the end of the previous month and the same period of the previous year, respectively, and the growth rate has increased for 11 consecutive months. In the first half of the year, the real estate industry added 628.7 billion yuan in medium and long-term loans, an increase of 459 billion yuan year-on-year.
Ruan Jianhong pointed out that in the next step, the People's Bank of China will continue to give full play to the dual functions of aggregate and structural monetary policy tools, maintain a reasonable growth of credit and a stable pace, continue to increase support for key areas and weak links of the national economy, and help The operation of the real economy further improved.
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