宁夏金融运行稳中向好存贷款规模双增 贷款利率创历史新低
Sou Hu Cai Jing·2026-01-30 12:05

Core Insights - The financial system in Ningxia is operating smoothly with reasonable growth and significant support for the real economy, contributing to high-quality development [1] Group 1: Financial Performance - By the end of 2025, the balance of RMB deposits in Ningxia reached 1,091.51 billion yuan, an increase of 8.6% year-on-year, with new deposits totaling 98.39 billion yuan, which is 26.09 billion yuan more than the previous year [1] - The balance of RMB loans in Ningxia was 1,045.27 billion yuan, with new loans of 48.78 billion yuan, an increase of 8.29 billion yuan compared to the previous year, indicating stable growth [1] - The structure of credit continues to optimize, with medium and long-term loans accounting for 45.5% of the total loan increment, effectively supporting major project construction and reasonable housing demand [1] Group 2: Credit Support and Growth Areas - In 2025, credit support for key sectors and weak links was particularly prominent, with industrial and infrastructure loans increasing by 24.33 billion yuan, 3.7 times that of 2024, especially in the electricity and heat supply sectors [2] - The balance of loans to small and micro enterprises grew by 8.8% year-on-year, outpacing the overall loan growth by 5.3 percentage points, while loans to individual businesses and farmers also maintained rapid growth [2] - Loans for "specialized, refined, and innovative" enterprises, high-tech services, and green finance all achieved double-digit growth, with green loans accounting for over half of the total loan increment at 55.4% [2] Group 3: Financing Costs and Social Financing - The average interest rate for newly issued corporate loans in Ningxia was 3.01% and for personal housing loans was 3.10% in December 2025, both reaching historical lows [2] - The social financing scale in Ningxia significantly expanded, reaching 125.61 billion yuan in 2025, an increase of 53.89 billion yuan year-on-year, with diverse financing channels further enhancing support for the real economy [2]