金融护航江西省经济回升向好

Core Insights - Jiangxi Province has implemented a moderately loose monetary policy this year, enhancing counter-cyclical adjustments and utilizing various monetary policy tools to create a favorable financial environment for economic recovery [1] Financial Growth - As of June, the total loan balance in Jiangxi Province reached 65,816 billion yuan, with an increase of 330 billion yuan in the first half of the year, representing a year-on-year growth of 6.9%, which is 0.2 percentage points higher than May and 0.1 percentage points above the national average [1] - The total deposit balance was 67,186 billion yuan, with an increase of 486.4 billion yuan in the first half of the year, showing a year-on-year growth of 9.8% [1] - The social financing scale increased by 513 billion yuan in the first half of the year, which is 17.9 billion yuan more than the previous year, with net financing from government bonds amounting to 138.4 billion yuan, an increase of 81.3 billion yuan year-on-year [1] Credit Structure Optimization - Manufacturing loans have seen rapid growth, with a balance of 6,220 billion yuan as of June, increasing by 69.7 billion yuan in the first half of the year, accounting for 21.1% of the total loan increment, the highest in nearly a decade [2] - The balance of loans to private enterprises reached 9,242 billion yuan, with an increase of 71.9 billion yuan, representing 21.7% of the total enterprise loan increment, up 6.5 percentage points from the previous year [2] - The balance of inclusive small and micro loans was 10,751 billion yuan, making up 16.3% of the total loan balance [2] Support for Innovation and Green Development - The balance of technology loans reached 10,107 billion yuan, with a year-on-year growth of 15.2%, while loans to technology enterprises amounted to 4,683 billion yuan, growing by 10.8% [2] - Green loans totaled 11,302 billion yuan as of June, with an increase of 175 billion yuan in the first half of the year, accounting for 53.0% of the total loan increment [2] Financing Costs - The weighted average interest rate for newly issued loans to enterprises was 3.63% in June, down 45 basis points year-on-year [3] - The weighted average interest rate for newly issued inclusive small and micro loans was 3.83%, a decrease of 57 basis points year-on-year [3] - The weighted average interest rate for newly issued personal housing loans was 3.21%, down 43 basis points year-on-year [3]