Poster: my country's RMB loans increased by 13.68 trillion yuan in the first half of 2022 ( Xinhua News Agency compiled by Liu Qian)
13.68 trillion yuan - my country's new RMB loans in the first half of this year were 9192 more than the same period last year billion. The latest financial data shows that various loans increased steadily in the first half of the year, providing strong support for the real economy.
Finance is the blood of economic development. In the first half of the year, my country's financial aggregate has grown steadily, with reasonable and abundant liquidity. Credit funds are continuously flowing to key areas and weak links of the national economy, helping to stabilize the macroeconomic market .
New loans to enterprises and institutions accounted for more than 80%
html Where were the 513.68 trillion yuan in loans invested? Analyzing the data for the first half of the year, it is not difficult to see that investment in enterprises accounted for the majority. Data show that in the first half of the year, RMB loans to enterprises and institutions increased by 11.4 trillion yuan, an increase of 3.03 trillion yuan over the same period last year. Among the new loans in the first half of the year, enterprises and institutions accounted for more than 80%.
In the workshop of Hubei Depu Electric Co., Ltd. , the assembly line manufacturing battery testing equipment is busy.
"The sales of new energy vehicles have increased steadily this year. The company's battery testing equipment has been in short supply and orders have surged. However, under the epidemic, the cost of raw material procurement has increased significantly, and the pressure on working capital has suddenly increased." Li Xuqin, the company's deputy general manager, told reporters that fortunately CITIC Bank promptly provided a credit line of 10 million yuan to help the company prepare goods smoothly and meet customer supply needs.
In the first half of the year, there were many small and micro enterprises that were struggling with liquidity, and financial institutions continued to strengthen their support for physical enterprises.
"The continued growth of corporate sector loans is an important driving force for credit growth." Minsheng Bank Chief Economist Wen Bin believes that since this year, finance has increased its support for enterprises in industries affected by the epidemic, especially small and micro enterprises. , boost the confidence of market entities and help stabilize the macroeconomic market.
data shows that at the end of June, the balance of inclusive small and micro loans increased by 23.8% year-on-year, 12.6 percentage points higher than the growth rate of various loans; the number of inclusive small and micro credit households was 52.39 million, a year-on-year increase of 36.8%.
In addition to getting loans, companies also hope to have low costs.
Ruan Jianhong, director of the Survey and Statistics Department of the People's Bank of China, said that in the first half of the year, the reform potential of loan market quoted interest rates continued to be released, and the comprehensive financing costs of enterprises fell steadily. In June, the interest rate on newly issued corporate loans was 4.16%, 34 basis points lower than the same period last year.
The picture shows workers working on the product assembly line at an intelligent technology product manufacturing company in Xinzhan High-tech Zone, Hefei, Anhui Province on May 31. Xinhua News Agency issued
to guide credit investment to key areas that stabilize the economy.
Since this year, financial institutions have used various monetary policy tools to increase lending, focusing on key areas and weak links such as manufacturing, technological innovation, and green development, and more to better meet the financing needs of the real economy.
Zhejiang Zhongkong Technology Co., Ltd. has been deeply involved in the domestic industrial automation industry for many years. "There are many small and medium-sized enterprises in the upstream and downstream of our industrial chain. Traditional settlement methods occupy a lot of manpower and material resources. More targeted financial products are needed to optimize cash flow and stabilize the supply chain." Mao Feibo, head of the company's financial management department He told reporters that under the initiative of Agricultural Bank of China , 24 suppliers had obtained low-cost financing relying on the company's credit at the end of June, and the total financing scale was about 50 million yuan.
Relevant people from the Agricultural Bank of China said that since the beginning of this year, under the guidance of financial policies, the bank's manufacturing loan balance reached 2.09 trillion yuan at the end of May, of which the balance of financing to support key industrial chains exceeded 750 billion yuan.
html At the end of June 2016, the balance of medium- and long-term loans to the manufacturing industry in my country increased by 29.7% year-on-year, 18.5 percentage points higher than the growth rate of various loans.Since this year, The People's Bank of China has created new tools such as technological innovation re-loans, special re-loans for inclusive pensions, and special re-loans for transportation and logistics. The proportion of incentive funds provided by inclusive small and micro loan support tools has been increased from 1% to 2%. Carbon emission reduction Support tools and special re-lending to support the clean and efficient use of coal have taken effect...
Experts said that the structural monetary policy toolbox has been continuously enriched and improved, and financial institutions have continued to be encouraged to optimize their credit structures and guide funds to inclusive finance, Precise tilting in areas such as green development and technological innovation will help cultivate new growth points for the economy.
Credit support will remain strong
As the domestic epidemic prevention and control situation generally improves, the State Council's package of measures to stabilize the economy has accelerated, fiscal policy, monetary policy, and industrial policy have all stepped up implementation, and the national economy has shown a recovery momentum.
"Thanks to CCB's loan renewal policy for helping the company tide over the difficulties. As the epidemic has eased, the company has fully resumed production, and our 3D printing materials are accelerating their circulation to the downstream market." Responsible for Guangzhou Feisheng Polymer Materials Co., Ltd. Rengu Wenliang said. Not long ago, he was worried about the company's stagnant operations due to the epidemic and the imminent expiration of a loan of 800,000 yuan.
Zou Lan, director of the Monetary Policy Department of the People's Bank of China, believes that
credit has increased significantly in the first half of the year, and corporate financing is generally good. Although resident loans have decreased year-on-year due to the impact of the epidemic, they have also shown a recovery trend since June. In the future, as the epidemic situation is generally under control, the macro economy is expected to maintain a steady recovery, the balance sheets of enterprises and residents are expected to gradually repair and improve, and credit support will remain strong.
It is true that the adverse effects of the epidemic have not been completely eliminated, and the financing problems of enterprises in some industries still need to be further solved. However, the successive implementation of a series of financial measures will add confidence to market entities.
In the second half of the year, the three newly created structural monetary policy tools received their first application for issuance in July, further motivating financial institutions to support the real economy; policy development banks have implemented the new credit scale of 800 billion yuan and the establishment of 300 billion yuan. Financial tools to support infrastructure construction; The central bank has accelerated the handover of surplus profits to the central government to help stabilize the economy, stabilize employment and protect people's livelihood...
"In recent years, our country has insisted on implementing normal monetary policies in order to cope with the unexpected crisis. New challenges and new changes have left ample policy space and tool reserves." Zou Lan said that in the second half of the year, the People's Bank of China will increase the implementation of prudent monetary policies, accelerate the implementation of determined policy measures, and create a good monetary and financial environment. , forming a synergy of policies to keep the economy operating within a reasonable range.
column editor: Qin Hong Text editor: Cheng Pei Source of title picture: Xinhua News Agency Picture editor: Xiang Jianying
source: Author: Xinhua News Agency
