深圳市存贷款规模2025年末稳居全国主要城市第三，本外币各项贷款余额同比增5.1%

Core Insights - Shenzhen's financial performance in 2025 shows significant growth in both deposits and loans, with total deposits reaching 14.63 trillion yuan, a year-on-year increase of 7.8%, and total loans at 9.97 trillion yuan, up 5.1% [1] - The social financing scale in Shenzhen maintained reasonable growth, with an increase of over 630 billion yuan, and direct financing accounting for about 40% of the total, marking a historical high [1][2] - The average interest rate for newly issued corporate loans in Shenzhen decreased to 2.55%, down 0.47 percentage points year-on-year, reflecting a downward trend in financing costs [2] Financial Growth and Support - The People's Bank of China and the State Administration of Foreign Exchange have guided financial institutions to focus on supporting key areas such as consumption and technological innovation, leading to a significant increase in loans for these sectors [3][4] - The balance of loans for technology, green, and digital economy industries increased by 1.9%, 3.3%, and 1.4 percentage points respectively compared to the previous year, indicating strong support for high-end, intelligent, and green production [2][3] Consumer and SME Financing - Personal medium- and long-term non-housing consumption loans grew by 13.12%, outpacing the overall loan growth rate by 8 percentage points, demonstrating robust consumer financing [4] - The balance of loans to the private economy reached 4.35 trillion yuan, accounting for 43.7% of total loans, with inclusive small and micro loans exceeding 2 trillion yuan, supporting the vitality of Shenzhen's private sector [5] Green Finance Initiatives - Shenzhen has initiated pilot programs for green finance, including green foreign debt, with three companies signing agreements totaling over 170 million yuan, promoting the development of green industries [6] - Banks issued carbon reduction loans totaling 2.72 billion yuan, supporting various green projects, including distributed photovoltaic and digital energy initiatives [6] Digital Finance Innovations - The balance of loans in the digital economy sector grew by 17.3%, significantly higher than the overall loan growth rate, indicating a strong push towards digital financial services [7] - Innovative financial products and services, such as cross-border credit and digital currency wallets, have been introduced to enhance financial service efficiency and support international trade [7][9] Cross-Border Financial Services - Shenzhen's cross-border payment volume reached 5.83 trillion yuan, maintaining its position as the leading city for cross-border RMB transactions [8] - The implementation of high-level pilot policies for cross-border trade and investment has expanded the coverage to over 1,900 enterprises, with a business scale exceeding 250 billion USD [8][9] Comprehensive Financial Service Improvements - The introduction of a new integrated currency pool has facilitated cross-border capital operations for multinational companies, supporting local economic development [9] - Efforts to enhance cross-border financial service efficiency have included reducing document review times from one day to one hour, significantly improving transaction processing [10]