前11月我国人民币贷款增加15.36万亿元 贷款利率保持在历史低位水平

Core Insights - The People's Bank of China reported that in the first 11 months of this year, RMB loans increased by 15.36 trillion yuan [1] - As of the end of November, the total balance of domestic and foreign currency loans reached 274.84 trillion yuan, reflecting a year-on-year growth of 6.3% [1] - The balance of RMB loans stood at 271 trillion yuan, with a year-on-year increase of 6.4% [1] Monetary and Financing Growth - The growth rates of broad money supply and social financing remained high, with the broad money balance at 336.99 trillion yuan, up 8.0% year-on-year [1] - The stock of social financing reached 440.07 trillion yuan, marking an 8.5% year-on-year increase [1] - The increment in social financing for the first 11 months was 33.39 trillion yuan, which is 3.99 trillion yuan more than the same period last year [1] Loan Structure and Interest Rates - The credit structure has been continuously optimized, with the balance of inclusive small and micro loans at 35.88 trillion yuan, showing a year-on-year growth of 11.4% [1] - The balance of medium to long-term loans in the manufacturing sector reached 14.94 trillion yuan, with a year-on-year increase of 7.7%, both growth rates exceeding the overall loan growth [1] - Loan interest rates remain at historically low levels, with the weighted average interest rate for newly issued corporate loans at approximately 3.1%, down about 30 basis points from the previous year [1] - The weighted average interest rate for newly issued personal housing loans is also around 3.1%, down about 3 basis points year-on-year [1]