增速创近10个月最高 6月末北京地区人民币贷款余额超12万亿元

Core Insights - The People's Bank of China and the State Administration of Foreign Exchange held a press conference, revealing significant growth in Beijing's loan balances and cross-border trade facilitation efforts [1][2]. Group 1: Loan Growth and Financial Statistics - As of June, the total RMB loan balance in Beijing reached 12.08 trillion yuan, marking a year-on-year increase of 7.3%, the highest growth rate in nearly 10 months [1][2]. - Corporate loans increased by 9.4% year-on-year, with a total increase of 462.78 billion yuan in the first half of the year, accounting for 84.4% of all new loans [2]. - Household loans grew by 6.0% year-on-year, with personal housing loans increasing by 7.5%, indicating a steady upward trend [2]. Group 2: Financing Costs and Deposit Growth - The average weighted interest rate for loans in Beijing was 3.29% in June, down 34 basis points year-on-year, while the corporate loan rate was 2.52%, down 40 basis points [3]. - The total RMB deposit balance reached 25.54 trillion yuan, with a year-on-year growth of 2.4%, reflecting a net increase of 983.8 billion yuan since the beginning of the year [3]. Group 3: Cross-Border Trade Facilitation - The cross-border trade high-level opening pilot has been implemented, with 30 pilot banks in Beijing facilitating over 150,000 transactions worth 176 billion USD for quality enterprises [4][6]. - New policies allow banks to simplify foreign exchange procedures for quality enterprises, including easier handling of foreign exchange payments and optimizing international trade settlement [4][5]. - Special provisions for refunding foreign exchange without prior registration have been introduced, reducing costs and enhancing efficiency for enterprises [5][6].