2025年新增贷款16.27万亿元 普惠、科创仍是投放“热门”

Group 1 - The total new RMB loans for 2025 reached 16.27 trillion yuan, with a year-on-year growth of 6.4% in the loan balance by the end of Q4 2025, amounting to 271.91 trillion yuan [1] - Corporate loans showed a recovery in growth, with a year-on-year increase of 8.9% in the balance of corporate loans, totaling 186.21 trillion yuan by the end of Q4 2025 [1] - Short-term loans and bill financing reached a balance of 64.16 trillion yuan, growing by 11.0% year-on-year, while medium to long-term loans totaled 118.39 trillion yuan, with a year-on-year growth of 7.9% [1] Group 2 - Household loans, including consumer and business loans, maintained growth, with a total household loan balance of 83.28 trillion yuan, a year-on-year increase of 0.5% [2] - Real estate loans experienced a slowdown, with a total balance of 51.95 trillion yuan, reflecting a year-on-year decrease of 1.6% [2] - Inclusive small and micro loans grew rapidly, reaching a balance of 36.57 trillion yuan, with a year-on-year growth of 11.1%, outpacing the growth of other loan categories [2] Group 3 - Support for technology-based small and medium enterprises remained strong, with a loan balance of 3.63 trillion yuan, showing a year-on-year increase of 19.8% [3] - The loan approval rate for technology-based SMEs reached 50.2%, an increase of 2 percentage points compared to the end of the previous year [3]