立足青海稳预期 聚焦重点促发展

Core Viewpoint - The People's Bank of China Qinghai Branch has effectively implemented monetary policies and financial reforms during the 14th Five-Year Plan period, contributing significantly to the modernization of Qinghai Province and enhancing financial services [1]. Group 1: Monetary Policy and Financial Environment - The Qinghai Branch has executed a prudent monetary policy, resulting in a steady increase in total financial volume, with the balance of various loans rising from CNY 6,520.9 billion at the end of 2020 to CNY 8,124.7 billion by October 2025, a growth of 22.7% [2]. - The balance of deposits increased from CNY 6,314.1 billion to CNY 8,676.7 billion, marking a growth of 37.4% [2]. - The average interest rate on newly issued loans decreased from 4.59% in October 2020 to 3.70% by October 2025, a reduction of 89 basis points [2]. Group 2: Financial Innovation and Green Finance - The Qinghai Branch has developed a "1+5+N" policy system to support five major financial initiatives, coordinating with 20 provincial departments and establishing demonstration projects in eight districts [3]. - The branch has supported carbon reduction initiatives with a total of CNY 420.4 billion in funding and CNY 700.6 billion in carbon reduction loans, promoting over 100 types of green credit products [3]. - A carbon account loan system has been established, with CNY 455.2 billion in loans issued, saving enterprises CNY 3.1 billion in interest [3]. Group 3: Financing Support and Project Financing - The Qinghai Branch has focused on key areas such as industrial development, major projects, small and micro enterprises, and rural revitalization, with related loan balances exceeding CNY 2,000 billion [4]. - A "white list" mechanism for major projects has been established, providing CNY 165 billion in financing for provincial key construction projects [4]. - The branch has facilitated CNY 444 billion in loans through the "Qingxinrong" platform, with a growth of 88.69% in loans to small and micro enterprises [4]. Group 4: Risk Management and Financial Safety - The Qinghai Branch has strengthened risk monitoring and early intervention, ensuring that the coverage rate of deposit insurance for local banks reaches 99% [5]. - Efforts have been made to resolve financing platform debts and support the clearance of overdue accounts for enterprises [5]. - A long-term risk prevention mechanism has been established, enhancing consumer rights protection and financial literacy [5]. Group 5: Service Optimization and Public Welfare - The Qinghai Branch has improved payment services, establishing payment service centers for foreign guests and achieving a 99.6% acceptance rate for foreign cards among key merchants [7]. - The coverage of the "One Network for All" platform has exceeded 80%, with the number of bank settlement accounts increasing from 26.969 million to 40.721 million, a growth of 60% [7]. - Cross-border RMB settlement volume reached CNY 177.6 billion, a 35.4% increase compared to the 13th Five-Year Plan period [7].