央行：7月末不含个人住房贷款的全国住户消费贷款余额21.04万亿元

Group 1 - The People's Bank of China (PBOC) reported that as of the end of July, the balance of household consumption loans, excluding personal housing loans, reached 21.04 trillion yuan, with a year-to-date increase of 34.6 billion yuan and a year-on-year growth of 5.34% [1] - To support high-quality service consumption, the PBOC established a 500 billion yuan service consumption and elderly re-lending program in May, guiding financial institutions to increase credit supply in key service sectors such as accommodation, catering, cultural and entertainment, education, resident services, and tourism [1] - Financial institutions have applied for nearly 60 billion yuan under the service consumption and elderly re-lending program, involving nearly 4,000 entities and over 5,700 loans [1] Group 2 - The PBOC has implemented multiple policies this year to guide financial institutions in improving internal processes and innovating products and services to support consumption, focusing on key areas such as food, housing, transportation, tourism, shopping, and entertainment [2] - As of the end of July, the balance of loans in key service consumption sectors reached 2.79 trillion yuan, with a year-on-year growth of 5.3% and a year-to-date increase of 164.2 billion yuan, surpassing the total new loans added in the previous year by 63 billion yuan [2] - The PBOC plans to work with various departments to ensure the implementation of policies aimed at enhancing the benefits for service consumption sector entities and consumers, thereby improving public satisfaction [2]