海南一季度金融运行总体平稳 个人住房贷款需求回升

Core Viewpoint - The financial situation in Hainan Province is stable, with improvements in key financial indicators and increased support for the real economy and key sectors, particularly in personal housing loans and green financing [1][2]. Group 1: Personal Housing Loans - As of the end of March, the personal housing loan balance in Hainan reached 224.2 billion yuan, a year-on-year increase of 4.9%, with a growth rate 3.6 percentage points higher than the same period last year [1]. - The recovery in loan demand is attributed to banks implementing minimum down payment policies for first and second homes and supporting multi-child families in purchasing homes [1]. Group 2: Overall Loan Growth - By the end of March, the total balance of various loans in Hainan was 1,301.4 billion yuan, an increase of 31.4 billion yuan since the beginning of the year, with a year-on-year growth of 6.9%, surpassing the previous year's growth by 0.7 percentage points [1]. - The average interest rate for newly issued corporate loans was 2.99%, down 72 basis points year-on-year, while the average interest rate for new personal housing loans was 3.15%, down 51 basis points year-on-year, indicating a decrease in financing costs for both enterprises and residents [1]. Group 3: Deposit Growth - By the end of March, the total balance of various deposits in Hainan was 1,509.3 billion yuan, with a year-on-year growth of 10.4%, exceeding the previous year's growth by 4 percentage points and higher than the national average by 3.5 percentage points [2]. - Household deposits reached 807.9 billion yuan, reflecting a year-on-year increase of 10.8% [2]. Group 4: Support for Key Sectors - Financial support for key sectors such as inclusive small and micro loans, technology loans, and green loans has seen rapid growth. By the end of March, inclusive small and micro loans amounted to 129.7 billion yuan, up 8.9% year-on-year, while technology loans reached 153.1 billion yuan, up 18.7% year-on-year [2]. - Strategic emerging industry loans grew by 27.3% year-on-year, and loans for intellectual property-intensive industries increased by 30.6% year-on-year [2]. - In the first quarter, new green loans totaled 12.9 billion yuan, accounting for 41% of all new loans [2]. Group 5: Financial Openness - Financial openness is steadily advancing to meet the operational needs of the Hainan Free Trade Port. By the end of March, the business volume of multi-functional free trade accounts exceeded 100 billion yuan, with account holders engaging in transactions with 48 countries and regions [2]. - The cross-border trade and investment policies have been enhanced, with Hainan completing its first integrated currency pool business, and ongoing initiatives to promote cross-border financial services [2]. Group 6: Future Outlook - The People's Bank of China Hainan Branch plans to continue implementing a moderately loose monetary policy to guide reasonable credit growth and steadily advance high-level financial openness, providing strong financial support for the high-quality development and operational closure of the Hainan Free Trade Port [2].