扎实做好金融“五篇大文章” 加大金融支持实体经济力度 ——《金融时报》访中国人民银行信贷市场司负责人

Core Viewpoint - The People's Bank of China (PBOC) is enhancing financial services to support the real economy during the 14th Five-Year Plan period, focusing on the "Five Major Financial Articles" to promote high-quality development and structural reforms in financial supply [1][2]. Group 1: Financial "Five Major Articles" - The PBOC has established a policy framework for the "Five Major Financial Articles," which includes guidance on technology finance, green finance, inclusive finance, pension finance, and digital finance [2]. - As of August 2025, loans under the "Five Major Financial Articles" reached 105.6 trillion yuan, accounting for 38.7% of total loans, with a year-on-year growth of 13.2%, outpacing the average loan growth by 6.6 percentage points [3]. Group 2: Technology Finance - The PBOC has developed a comprehensive policy framework to support technology finance, including a financing action plan for technology enterprises and collaboration with multiple departments to enhance funding for technology research and development [4]. - By August 2025, technology loans accounted for 28.8% of new loans, with a total balance of 3.4 trillion yuan, reflecting a year-on-year growth of 22% [4]. - The average interest rate for technology loans was 2.8% as of August 2025, down by 0.5 percentage points year-on-year [4]. Group 3: Consumer Finance Support - The PBOC has implemented a series of financial support policies to boost consumption and expand domestic demand, including the establishment of a financial support policy system for consumption [7]. - As of August 2025, loans in key service consumption sectors reached 2.78 trillion yuan, with a year-on-year growth of 5.12% [7]. - The balance of household consumption loans (excluding personal housing loans) was 21.13 trillion yuan as of August 2025, reflecting a year-on-year increase of 4.9% [8].