央行公布最新普惠小微贷款余额增速：12.3%

Core Insights - The People's Bank of China (PBOC) reported a 12.3% year-on-year growth in inclusive micro and small enterprise loans as of June, with an increase of 2.6 trillion yuan in the first half of the year, indicating strong support for the sector [1][2] Group 1: Loan Growth and Policy Support - Inclusive micro and small loans have outpaced overall loan growth by 5.2 percentage points, reflecting effective policy measures by the PBOC [1] - The PBOC has implemented various policies to enhance financial support for micro and small enterprises, improving the accessibility and convenience of financing [1] - The average interest rate for newly issued inclusive micro and small enterprise loans was 3.48% in June, down 12 basis points from March and 66 basis points from the previous year [1] Group 2: Credit Loan Proportion and Support for Tech SMEs - The proportion of credit loans within inclusive micro and small loans has increased to nearly 30%, improving financing convenience [2] - Loans to technology-based small and medium enterprises reached 3.5 trillion yuan, growing by 22.9% year-on-year, significantly higher than the overall loan growth rate [2] - The loan coverage for technology-based SMEs has reached 274,000, with a loan acquisition rate of 50%, providing strong financial support for overcoming technical challenges [2]