人民银行上海总部：7月末人民币贷款余额12.21万亿元

Group 1 - The core viewpoint of the article highlights the monetary and credit situation in Shanghai as of July 2025, indicating a year-on-year growth in both local and foreign currency loans, but with a decline in growth rates compared to the previous month [1] Group 2 - As of the end of July, the total balance of loans in Shanghai reached 12.79 trillion yuan, reflecting a year-on-year increase of 7.8%, with a decrease in growth rate of 0.6 percentage points from the previous month [1] - The balance of RMB loans stood at 12.21 trillion yuan, showing a year-on-year growth of 8.1%, also down by 0.6 percentage points from the previous month [1] - The balance of foreign currency loans was 801 billion USD, with a year-on-year increase of 1.6%, and a decline in growth rate of 0.5 percentage points compared to the previous month [1] Group 3 - In July, RMB loans decreased by 44.8 billion yuan, which is a larger reduction compared to the same month last year by 69 billion yuan [1] - Household sector loans increased by 14.5 billion yuan, with short-term loans rising by 3.1 billion yuan and medium to long-term loans increasing by 11.4 billion yuan [1] - Corporate loans decreased by 74.8 billion yuan, with short-term loans down by 34 billion yuan and medium to long-term loans down by 40.6 billion yuan, while bill financing increased by 4.2 billion yuan [1] - Non-bank financial institution loans increased by 9 billion yuan [1] - Foreign currency loans decreased by 2.3 billion USD, which is a larger reduction compared to the same month last year by 0.5 billion USD [1]