前7月人民币贷款增加12.87万亿元

Group 1 - The core viewpoint of the articles highlights the robust growth of loans and the effective financial support for the real economy in China, with a total increase of 12.87 trillion yuan in loans in the first seven months of the year [2] - As of the end of July, the balance of RMB loans reached 268.51 trillion yuan, reflecting a year-on-year growth of 6.9%, while the total balance of loans in both RMB and foreign currencies was 272.48 trillion yuan, growing by 6.7% [2] - The structure of credit is continuously optimizing, with notable increases in inclusive small and micro loans, which reached a balance of 35.05 trillion yuan, growing by 11.8% year-on-year, and medium to long-term loans for the manufacturing sector, which totaled 14.79 trillion yuan, up by 8.5% [2] Group 2 - Loan interest rates remain low, with new corporate loan rates around 3.2% and new personal housing loan rates at approximately 3.1%, both showing declines of about 45 and 30 basis points compared to the same period last year [2][3] - The total social financing scale increased by 23.99 trillion yuan in the first seven months, which is 5.12 trillion yuan more than the same period last year, with RMB loans to the real economy increasing by 12.31 trillion yuan [3] - The broad money supply (M2) reached 329.94 trillion yuan by the end of July, growing by 8.8% year-on-year, while the narrow money supply (M1) was 111.06 trillion yuan, up by 5.6% [4] Group 3 - In terms of deposits, RMB deposits increased by 18.44 trillion yuan in the first seven months, with household deposits rising by 9.66 trillion yuan and non-financial enterprise deposits increasing by 3.109 trillion yuan [5] - The total balance of deposits in both RMB and foreign currencies reached 327.83 trillion yuan, reflecting a year-on-year growth of 9%, while the balance of RMB deposits was 320.67 trillion yuan, growing by 8.7% [5] - The implementation of a series of monetary policies has effectively supported the recovery of the real economy, with macroeconomic indicators showing overall positive performance [5]