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金融监管总局:一季度普惠小微贷款保持高增
Zheng Quan Shi Bao·2025-05-16 13:42

Core Insights - The financial regulatory authority reported that the banking and insurance sectors continued to grow in total assets as of the end of Q1 2025, with banking assets reaching 458.3 trillion yuan, a year-on-year increase of 6.7%, and insurance assets totaling 37.8 trillion yuan, up 5.4% [1] - The report highlighted a significant increase in inclusive small and micro enterprise loans, which reached 35.3 trillion yuan, with a year-on-year growth of 12.5% [2] - The insurance sector showed stability in asset quality, with a net profit of 656.8 billion yuan for commercial banks in Q1 2025, and an insurance premium income of 2.2 trillion yuan, reflecting a 0.8% increase [4] Banking Sector - As of Q1 2025, large commercial banks held total assets of 198.5 trillion yuan, growing by 7.3% year-on-year, while joint-stock commercial banks had assets of 75.5 trillion yuan, increasing by 5.2% [1] - The financial regulatory authority set specific targets for small and micro enterprise financial services, aiming to maintain loan growth rates that are not lower than overall loan growth [2] - The banking sector's risk compensation ability remains robust, with an average capital return rate of 8.82% and an average asset return rate of 0.68% [4] Insurance Sector - The insurance industry reported a total premium income of 2.2 trillion yuan in Q1 2025, with a 0.8% year-on-year growth, while claims and benefits paid out were 827.4 billion yuan, up 12.2% [4] - The number of new insurance policies issued increased by 20.7%, indicating a strong demand for insurance products [4] - Insurance companies maintained a strong solvency position, with a comprehensive solvency adequacy ratio of 204.5% and a core solvency adequacy ratio of 146.5% as of the end of Q1 2025 [4]