银行业锚定“五篇大文章”不放松为经济高质量发展持续注入金融动力

Core Viewpoint - The banking sector in China plays a crucial role in supporting the high-quality development of the real economy by actively engaging in the "Five Major Articles" of finance, which include technology, green finance, inclusive finance, pension finance, and digital finance [1][2]. Group 1: Bond Underwriting and Issuance - The total amount of bonds underwritten by banks for the "Five Major Themes" increased from approximately 31 billion yuan in 2020 to around 691.6 billion yuan in 2024, representing a growth of over 21 times [2]. - The proportion of bonds underwritten by banks rose from 28.72% in 2020 to about 35% in 2024, with over 40% in the first seven months of this year [3]. - Since 2022, the annual amount of bonds issued by banks for the "Five Major Themes" has consistently exceeded 500 billion yuan, accounting for over 25% of the total market issuance [3]. Group 2: Credit Support for Key Sectors - As of the end of Q2, the balance of loans to technology SMEs reached 3.46 trillion yuan, a year-on-year increase of 22.9% [4]. - The balance of green loans reached 42.39 trillion yuan, growing by 14.4% since the beginning of the year [4]. - The balance of inclusive micro-loans reached 35.57 trillion yuan, with a year-on-year growth of 12.3% [4]. Group 3: Pension Finance Development - The pension finance product offerings have diversified, including pension savings, pension wealth management products, and personal pension products [7]. - By the end of 2024, the pension management scale of Industrial and Commercial Bank of China reached nearly 5 trillion yuan, with a pension custody scale of 3.3 trillion yuan [7][8]. - Agricultural Bank of China's pension custody scale exceeded 750 billion yuan, with a growth of nearly 25% year-on-year [8]. Group 4: Digital Finance Investment - The total investment in information technology by 20 listed banks increased from approximately 160.3 billion yuan in 2021 to 188.5 billion yuan in 2024, with the investment-to-revenue ratio rising from 3.07% to 3.78% [9][10]. - The investment ratio for joint-stock banks reached 4.31% in 2024, an increase of over 0.8 percentage points since 2021 [9]. - Industrial and Commercial Bank of China led in IT investment, exceeding 28.5 billion yuan in 2024, while also achieving significant growth in digital economic loans [10].