上半年四川金融运行延续总量稳、结构优的趋势 贷款增速连续四个月保持11.6%

Financial Performance Overview - In the first half of the year, Sichuan's social financing scale increased by 1.1778 trillion yuan compared to the beginning of the year, with a year-on-year increase of 215 billion yuan [2] - As of the end of June, the balance of various loans in both domestic and foreign currencies reached 12.7 trillion yuan, a year-on-year growth of 11.6%, surpassing the national average growth rate by 4.8 percentage points [2] - The balance of deposits in both domestic and foreign currencies reached 14.4 trillion yuan, with a year-on-year increase of 10.8%, exceeding the national average growth rate by 2.2 percentage points [2] Loan Growth Dynamics - The loan balance increased by 906.2 billion yuan since the beginning of the year, maintaining a stable growth rate of 11.6% for four consecutive months since March [3] - Corporate loans accounted for nearly 90% of the total new loans, indicating strong business confidence and a shift of financial vitality towards the real economy [3] - Household consumption loans (excluding personal housing loans) grew by 15.1% year-on-year, with an increase of 27.4 billion yuan since the beginning of the year, driven by various consumer incentives [3] Interest Rate Trends - Policy interest rates have been continuously lowered, resulting in a steady decline in loan interest rates, enhancing the financing willingness of the real economy [4] - As of June, the interest rate for newly issued corporate loans dropped to 3.93%, while the rate for inclusive small and micro loans was 3.89%, and personal housing loans were at 3.01%, all at historical low levels [4] - The stock loan interest rate decreased to 3.92%, down 46 basis points year-on-year, significantly lower than the national average [4] Credit Allocation Efficiency - The proportion of medium- and long-term loans, which are closely related to real economic growth, has been steadily increasing, indicating a better credit structure [5] - Medium- and long-term loans for the manufacturing sector grew by 13.2% year-on-year, while those for infrastructure reached 2.7 trillion yuan, increasing by 157.4 billion yuan since the beginning of the year [5] - Financial innovations in the technology sector have been implemented, with technology loans growing by 12.1% year-on-year, and loans for technology-based SMEs increasing by 29.2% [5] Sector-Specific Loan Growth - Loans to the tertiary sector grew by 14.5% year-on-year, with emerging service industries such as wholesale and retail, research and technical services, and information technology services seeing growth rates exceeding 24% [6] - Inclusive small and micro loans increased by 11.9% year-on-year, reflecting ongoing support for individual businesses and small enterprises [6] - Overall, Sichuan's financial resources are shifting from a broad distribution approach to a more targeted allocation, optimizing the credit structure towards key economic areas and emerging industries [6]