7月长三角本外币各项贷款余额75.31万亿元，同比增长9.0%

Core Insights - The total loan balance in the Yangtze River Delta region reached 75.31 trillion yuan at the end of July, with a year-on-year growth of 9.0%, showing a slight decrease in growth rate compared to the previous month [1] - The balance of RMB loans was 74.45 trillion yuan, growing by 9.3% year-on-year, which is 0.3 percentage points lower than the previous month [1] - Foreign currency loans amounted to 120.4 billion USD, experiencing a year-on-year decline of 10.4%, but the growth rate improved by 2.7 percentage points compared to the previous month [1] Loan Analysis - In July, RMB loans in the Yangtze River Delta decreased by 171.1 billion yuan, which is a reduction of 185.9 billion yuan compared to the same month last year [1] - Household loans decreased by 161.5 billion yuan, with a year-on-year reduction of 109 billion yuan, including a drop of 125.6 billion yuan in short-term loans and 35.9 billion yuan in medium- to long-term loans [1] - Corporate loans fell by 47.5 billion yuan, with a year-on-year decrease of 84.5 billion yuan, where short-term loans decreased by 159.4 billion yuan and medium- to long-term loans decreased by 91 billion yuan [1] - Non-bank financial institution loans increased by 22.8 billion yuan, which is a year-on-year increase of 11.1 billion yuan [1] - Foreign currency loans decreased by 2.7 billion USD, which is a smaller reduction compared to the previous year [1] Deposit Analysis - The total deposit balance in the Yangtze River Delta reached 84.61 trillion yuan at the end of July, with a year-on-year growth of 8.5%, which is an increase of 0.5 percentage points compared to the previous month [1] - RMB deposits amounted to 81.81 trillion yuan, growing by 8.2% year-on-year, with a growth rate increase of 0.6 percentage points from the previous month [1] - Foreign currency deposits totaled 391.6 billion USD, with a year-on-year growth of 16.6%, although the growth rate decreased by 1.5 percentage points compared to the previous month [1] Monthly Deposit Changes - In July, RMB deposits decreased by 234.2 billion yuan, which is a reduction of 406.3 billion yuan compared to the same month last year [2] - Household deposits fell by 370.1 billion yuan, with a year-on-year increase in reduction of 206.6 billion yuan [2] - Non-financial corporate deposits decreased by 587.6 billion yuan, which is a smaller reduction compared to the previous year [2] - Fiscal deposits increased by 194.6 billion yuan, with a year-on-year increase of 83.1 billion yuan [2] - Non-bank financial institution deposits rose by 487.5 billion yuan, which is a year-on-year increase of 199.8 billion yuan [2] - Foreign currency deposits decreased by 5.6 billion USD, with a year-on-year reduction of 5.1 billion USD [2]