数说广东金融2025：近30万亿信贷活水润泽南粤

Core Insights - The financial sector in Guangdong is showing stable growth, maintaining the top position in the country, with growth rates surpassing the nominal economic growth rate, thereby providing robust support to the real economy [1][3]. Financial Performance - By the end of November 2025, the total financial indicators in Guangdong have shown steady growth, with a loan balance accounting for 79.9% of the total loans in the province [3]. - The social financing scale increased by 2.7 trillion yuan from January to November 2025, with direct financing contributing 932.4 billion yuan, marking a year-on-year increase of 181 billion yuan and accounting for 35.2% of the total financing scale [3]. Loan and Interest Rates - The average interest rate for general loans in Guangdong decreased by 71 basis points, while the average interest rate for corporate loans fell by 50 basis points compared to the beginning of the year, effectively reducing the financing burden on enterprises [4]. - By the end of 2025, the loan balances for high-tech manufacturing, advanced manufacturing, and scientific research and technology services reached 1.7 trillion yuan, 1.3 trillion yuan, and 231.3 billion yuan respectively, with year-on-year growth rates of 2.7%, 6.2%, and 19.7% [4]. Green Finance Initiatives - The green loan balance reached 4.7 trillion yuan by the end of November 2025, reflecting a year-on-year growth of 24.2%, significantly boosting the green low-carbon industry [5]. - The "Hundred Thousand Ten Thousand Project" is being advanced, with support for key areas such as old revolutionary areas and "Yue" branded agricultural products, resulting in a balance of inclusive small and micro loans of 4.9 trillion yuan, up 8.4% year-on-year [5]. Pension Finance Development - Guangdong has launched its first dedicated pension finance policy, aiming to establish a pension finance evaluation system, with the loan balance for the pension industry reaching 12 billion yuan, a year-on-year increase of 95% [6]. Digital Finance Advancements - The digital finance sector is accelerating, enhancing financial services to better match the needs of small and micro enterprises, with 4.9 million financing transactions amounting to 169.1 billion yuan facilitated through the use of credit information [6].