中国人民银行：金融“五篇大文章”领域贷款增量占比约七成

Core Insights - The People's Bank of China (PBOC) has increased support for the financial "five major articles," with loans in technology, green finance, inclusive finance, elderly care, and digital economy accounting for approximately 70% of new loans [1][2] Group 1: Loan Growth and Structure - As of June, loans for technology, green finance, inclusive finance, elderly care, and digital economy grew by 12.5%, 25.5%, 11.5%, 43%, and 11.5% respectively, all exceeding the overall loan growth rate [1] - The structure of new loans has shifted significantly from over 60% in real estate and infrastructure loans in 2016 to about 70% in the aforementioned five key areas [1] Group 2: Technology and Green Finance - The balance of technology loans reached 44.1 trillion yuan, with a year-on-year growth of 12.5%, which is 5.8 percentage points higher than the overall loan growth [1] - Green loans have shown robust growth, increasing from 9.9 trillion yuan at the end of 2019 to 36.6 trillion yuan by the end of 2024, with an average annual growth rate exceeding 20% [1] Group 3: Inclusive Finance and Elderly Care - By the end of June, the balance of loans to small and micro enterprises reached 65 trillion yuan, with their share in corporate loans rising from 30.4% at the end of 2014 to 38.2% [2] - Inclusive small and micro loans have experienced an average annual growth rate of over 20% since the end of 2018, with the number of credit accounts tripling [2] - The PBOC plans to enhance the elderly finance system and strengthen financing support for the elderly care industry, while also diversifying the elderly finance product system [2]