央行：前三季度绿色贷款新增6.47万亿 科技企业获贷率三连升

Core Insights - The People's Bank of China reported a 6.6% year-on-year increase in the total balance of RMB loans, reaching 270.39 trillion yuan by the end of Q3 2025, with a total increase of 14.75 trillion yuan in the first three quarters [1] - The loan structure has been optimized, with significant support for green, inclusive, and technological innovation sectors [1][2] Loan Growth and Structure - The balance of corporate and institutional loans reached 184.3 trillion yuan, growing by 8.2% year-on-year [1] - Short-term loans and bill financing increased by 9.3% to 62.77 trillion yuan, while medium to long-term loans grew by 7.8% to 117.89 trillion yuan [1] - Fixed asset loans amounted to 77.55 trillion yuan, up 7.0%, and operational loans reached 75.63 trillion yuan, increasing by 9.0% [1] Sector-Specific Loan Performance - Industrial medium to long-term loans stood at 26.59 trillion yuan, growing by 9.7%, while service sector loans reached 72.36 trillion yuan, up 6.8% [2] - Inclusive small and micro loans grew by 12.2% to 36.09 trillion yuan, significantly outpacing overall loan growth [2] - Green loans reached 43.51 trillion yuan, with a 17.5% increase, accounting for 43.9% of total loan increments in the first three quarters [2][3] Support for Innovation and Agriculture - Loans for technology-based SMEs grew by 22.3% to 3.56 trillion yuan, reflecting strong policy support [3][4] - The loan approval rate for high-tech enterprises increased to 57.6%, with a total loan balance of 18.84 trillion yuan [4] - Agricultural loans reached 53.4 trillion yuan, growing by 6.8%, indicating solid financial support for rural revitalization [4] Real Estate and Consumer Loans - Real estate loans showed stability, with a slight year-on-year decrease of 0.1%, while personal housing loans decreased by 0.3% [4] - Household loans totaled 83.94 trillion yuan, growing by 2.3%, with operational loans increasing by 4.8% [4][5] - Short-term consumer loans demonstrated resilience, supported by effective interest subsidy policies and expanding credit in service consumption [5]