“十四五”济南金融业圆满收官：科创金融领跑 五大篇章齐头并进

Core Insights - The financial sector in Jinan has significantly strengthened during the "14th Five-Year Plan" period, with multiple indicators ranking first in the province, driven by the establishment of the country's first Sci-tech Financial Reform Pilot Zone [1][2] Group 1: Financial Performance - The financial industry's added value is projected to reach 1,097.5 billion yuan in 2024, becoming a key driver of economic growth [2] - By the end of 2024, the balance of both domestic and foreign currency deposits and loans will exceed 30 trillion yuan, marking increases of 42.2% and 52.7% respectively since the end of 2020 [2] - The new direct financing amount in 2024 is expected to be 3,761.33 billion yuan, a 65.7% increase from 2020 [2] - The non-performing loan ratio is expected to drop to 0.61% by the end of 2024, the best in the province [2] Group 2: Monetary Policy Support - The People's Bank of China has lowered the statutory deposit reserve ratio for Jinan's financial institutions nine times, releasing approximately 79 billion yuan in long-term funds [3] - The average interest rates for new corporate loans and personal housing loans in November 2025 are both at a historical low of 3.05%, reducing the burden on market entities [3] - By the end of November 2025, the social financing scale and the balance of domestic and foreign currency loans are expected to reach 53 trillion yuan and 35 trillion yuan, respectively, with increases of 64.1% and 67.0% since the end of 2020 [3] Group 3: Sci-tech Financial Innovations - Since being approved as the first Sci-tech Financial Reform Pilot Zone in November 2021, Jinan has developed a "six specialized and four pricing" service system, promoting comprehensive development in green, inclusive, elderly, and digital finance [4] - The outstanding loans for sci-tech enterprises reached 3,029 billion yuan by the end of Q3, a 175.8% increase since the pilot zone's approval [4] - The average loan interest rate for sci-tech financing is 2.81%, down by 144 basis points [4] Group 4: Inclusive and Digital Finance - The "泉融科创" financial partner brand has provided financing solutions totaling 967.8 billion yuan to nearly 4,000 enterprises and individual businesses [5] - By the end of November, the balance of inclusive small and micro loans reached 3,292.3 billion yuan, a year-on-year increase of 11.3% [5] - The cumulative transaction amount of digital RMB exceeded 48 billion yuan, with over 550 billion yuan facilitated through the "泉融通" financing service platform [5] Group 5: Capital Market Development - During the "14th Five-Year Plan" period, enterprises in Jinan raised 7,125 billion yuan through stock and bond financing, a 68% increase from the "13th Five-Year Plan" [6] - Bond financing accounted for 6,776 billion yuan, ranking first in Shandong Province, with innovative financing products like sci-tech bonds and green bonds totaling 690 billion yuan [6] - The number of newly listed companies in Jinan reached 15, with nearly 90% being strategic emerging industries, high-tech enterprises, or specialized and innovative firms [6]