“十四五”时期，北京地区人民币各项贷款年均增长9.2%

Core Insights - The financial sector in Beijing has shown significant growth and structural optimization during the "14th Five-Year Plan" period, with a notable increase in social financing and loans [1][2] Group 1: Financial Growth and Structure - From 2021 to 2024, the average annual increase in social financing in Beijing is nearly 1 trillion yuan, with RMB loans growing at an average annual rate of 9.2%, outpacing the city's GDP growth by 4 percentage points [1][2] - The financial industry's added value in Beijing is expected to exceed 850 billion yuan this year, up from 705.7 billion yuan at the beginning of the period [1] - Loan structure has improved, with significant increases in loans for new economic sectors, inclusive small and micro enterprises, and technology, while real estate loan proportion has decreased by 7 percentage points [1] Group 2: Policy Implementation and Market Stability - Since September 2024, the People's Bank of China and financial management departments have implemented measures to stabilize market expectations and boost confidence, resulting in a decline in financing costs for the real economy [2] - The weighted average interest rate for corporate loans in Beijing dropped to 2.52% by September 2025, a decrease of 138 basis points from the end of 2020 [2] - The financing accessibility for weak links such as private small and micro enterprises and rural revitalization has steadily improved, with over 50,000 enterprise visits conducted by banks in the past five years [2] Group 3: Financial Reform and Opening Up - Beijing has made strides in financial reform and high-level opening up, implementing pilot programs for cross-border trade and investment, benefiting over 1,000 enterprises [3] - The city has initiated cross-border financing facilitation trials, with business amounts exceeding 4.8 billion USD, and has established a policy framework for integrated fund pools for multinational companies [3] - The average annual cross-border RMB revenue and expenditure in Beijing has grown steadily, with the proportion of cross-border revenue and expenditure rising from 50% in 2020 to 65% in 2024 [3]