金融服务再上台阶，北京实现18.5亿元400笔贷款成本清晰明示

Core Insights - Beijing's financial performance shows reasonable growth in total financial volume and continuous optimization of financing structure [1][5] - The People's Bank of China and the State Administration of Foreign Exchange highlighted the implementation of policies aimed at improving financing costs and supporting small and medium-sized technology enterprises [1][6] Financial Performance - As of September, the total RMB loan balance in Beijing reached 12.02 trillion yuan, with a year-on-year growth of 7.6%, an increase of 0.3 percentage points compared to June [3] - The corporate loan balance grew by 8.6% year-on-year, while household loans increased by 6.3% [3] - In the first three quarters, new RMB loans amounted to 489.6 billion yuan, which is 178.9 billion yuan more than the previous year [3] Loan Allocation and Costs - Loans in key sectors showed significant growth, with technology loans up by 8.8%, green loans by 22.5%, and inclusive loans by 13.3% [4] - The average weighted interest rate for loans in Beijing was 3.34% in September, down 36 basis points year-on-year, while corporate loans averaged 2.52%, down 35 basis points [4] Financing Structure - The social financing scale in Beijing increased by 1.566 trillion yuan in the first three quarters, 926.84 billion yuan more than the same period last year [5] - Direct financing accounted for a significant portion, with net corporate bond financing at 848.44 billion yuan, making up 54.2% of the total social financing increment [5] Support for SMEs - A pilot program for transparent loan cost disclosure has been initiated, benefiting 349 small and medium-sized technology enterprises with 400 loans totaling 1.85 billion yuan [6][7] - The program aims to clarify both interest and non-interest costs, enhancing transparency and reducing financing costs for SMEs [8] Cross-Border Investment Policies - New policies have been introduced to facilitate cross-border investment, including the cancellation of pre-investment registration for foreign direct investment (FDI) enterprises [10][11] - The new regulations allow foreign investors to reinvest profits generated in China, improving capital allocation efficiency [11] - A "first settle, then supplement" policy for foreign individuals purchasing property in Beijing has been implemented, streamlining the process [12]