人民银行：6月末普惠小微贷款余额同比增长12.3%

Core Insights - The People's Bank of China (PBOC) emphasizes the importance of inclusive finance for small businesses and the general public, which remains a focal point for financial regulatory authorities [1][2] - As of June, the balance of inclusive micro and small loans in China reached 35.6 trillion yuan, marking a year-on-year growth of 12.3%, which is 5.2 percentage points higher than the overall loan growth rate [1] - The average interest rate for newly issued inclusive micro and small enterprise loans in June was 3.48%, a decrease of 12 basis points from March and 66 basis points from the same period last year [1] Group 1 - The PBOC's ongoing focus on the inclusive micro and small finance sector has led to a significant increase in loans, with 2.6 trillion yuan added in the first half of the year [1] - The proportion of credit loans within inclusive micro and small loans has risen to nearly 30%, indicating a reduction in financing difficulties for small enterprises lacking collateral [1] - The PBOC is committed to implementing a moderately loose monetary policy to support technological innovation, boost consumption, and stabilize foreign trade, aiming for high-quality economic development [2] Group 2 - The balance of loans for technology-oriented small and medium-sized enterprises reached 3.5 trillion yuan by the end of June, reflecting a year-on-year increase of 22.9% [2] - Approximately 274,000 technology-oriented small and medium-sized enterprises received loan support, with a loan acquisition rate of 50% [2] - The PBOC aims to enhance the professional and refined level of financial services provided by financial institutions, particularly in key areas such as technology innovation and financing support for critical sectors [2]