服务实体经济成效显著 "十四五"我国银行业交出亮眼答卷

Core Viewpoint - During the "14th Five-Year Plan" period, China's banking industry has shown strong resilience and is committed to high-quality development, enhancing its stability while providing quality financial services to support economic and social development [1][2]. Group 1: Banking Industry Performance - As of June 2025, China's banking industry total assets are nearly 470 trillion yuan, ranking first globally, with 143 Chinese banks listed among the world's top 1,000 banks, including 6 in the top 10 [2]. - The banking sector has improved its service quality to the real economy, with a focus on differentiated development and complementary advantages, leading to significant enhancements in overall strength [2][3]. - The loan balance of financial institutions increased from 178.4 trillion yuan at the end of 2020 to 273.02 trillion yuan by August 2025, indicating a robust growth in loan issuance [4]. Group 2: Structural Changes in Lending - The banking industry's credit allocation has shifted from the traditional "infrastructure-real estate-finance" model to a new "technology-industry-finance" model, with loans in technology, green, inclusive, pension, and digital sectors accounting for about 70% of new credit [3][4]. - Key areas such as scientific research technology loans, medium to long-term loans for manufacturing, and infrastructure loans have seen annual growth rates of 27.2%, 21.7%, and 10.1%, respectively [4]. Group 3: Support for Small and Medium Enterprises - The balance of inclusive loans for small and micro enterprises reached 36 trillion yuan, which is 2.36 times that of the end of the "13th Five-Year Plan," with interest rates decreasing by 2 percentage points [4][5]. - Agricultural Bank of China has prioritized inclusive finance for agriculture, with a balance of 3.82 trillion yuan in inclusive loans for small and micro enterprises by June 2025 [5]. Group 4: Risk Management and Regulatory Measures - The number of high-risk small and medium financial institutions has significantly decreased, with over 40% more non-performing assets disposed of compared to the "13th Five-Year Plan" period, and total capital and provisions exceeding 50 trillion yuan [7][9]. - Regulatory measures have focused on preventing systemic risks, with a strategy of "stabilizing the overall situation, coordinating efforts, and precise dismantling" leading to significant progress in risk management [7][9]. Group 5: Reform and Development of Financial Institutions - The reform of rural credit cooperatives has progressed steadily, with over half of the provinces establishing provincial-level legal entities, while city commercial banks are undergoing orderly restructuring [8]. - The ultimate goal of these reforms is to enhance the service capabilities of small and medium financial institutions, which have shown improved profitability and service levels, thereby supporting the healthy development of the real economy [9].