浙江2025年贷款增量全国第二，将开展“科技金融深化年”行动

Core Insights - In 2025, Zhejiang's financial system demonstrated significant growth, with key financial indicators ranking among the top in the nation, supporting high-quality economic development and common prosperity initiatives [1][3]. Financial Performance - The total balance of loans in both domestic and foreign currencies reached 25.69 trillion yuan, marking an 8% year-on-year increase, which is 1.8 percentage points higher than the national average [1][3]. - New loans added in 2025 amounted to 1.91 trillion yuan, ranking second nationally, while the social financing scale increased by 2.90 trillion yuan, exceeding the previous year by 255.2 billion yuan [3][4]. Policy Initiatives - The People's Bank of China (PBOC) Zhejiang branch plans to implement a "Technology Finance Deepening Year" in 2026, focusing on three key areas: enhancing coordination mechanisms, innovating service models, and breaking through supporting reforms [1][9]. - A special quota of 600 billion yuan for agricultural and small business loans was created, leading to over 200 billion yuan in related loans, benefiting more than 1 million market entities [3][4]. Credit Structure - Corporate loans were the main driver of credit growth, with an increase of 1.91 trillion yuan, up 130.4 billion yuan year-on-year [4]. - Direct financing accounted for 20.2% of the social financing scale, with 584.5 billion yuan added, while off-balance-sheet financing remained stable [4]. Cross-Border Financial Services - The cross-border RMB settlement volume exceeded 2.65 trillion yuan, a 9.5% increase year-on-year, with significant growth in large commodities and new trade formats [5][6]. - A three-year action plan was introduced to enhance cross-border financial services in counties, utilizing technology to improve service quality [5]. Financial "Five Major Articles" - By the end of November 2025, the loan balance for the "Five Major Articles" reached 12.8 trillion yuan, a 10.9% increase, accounting for 11.9% of the national total [7]. - Notable growth was observed in technology loans (4.17 trillion yuan, +13.7%), green loans (4.57 trillion yuan, +19.3%), and loans for the elderly care industry (231 million yuan, +92.2%) [7][8]. Innovation in Financial Services - The "Zheke United Loan" service model was introduced to support technology enterprises at various stages, addressing credit challenges faced by startups [8]. - Financial institutions have established deep collaborations with over 30 technology achievement transformation platforms, providing 7 billion yuan in financing support [8].