人行辽宁省分行：多渠道为实体经济提供“真金白银”

Core Viewpoint - The People's Bank of China Liaoning Branch is committed to implementing a moderately loose monetary policy to support the real economy and promote high-quality development, effectively utilizing various monetary policy tools to provide substantial financial support to the economy and reduce overall financing costs. Group 1: Financing Growth - The People's Bank of China Liaoning Branch has guided financial institutions to meet the effective financing needs of the real economy, resulting in an increase of 121.9 billion RMB in new loans in 2025, with a year-on-year growth of 2.35% in loan balance [1] - Among the new loans, six major state-owned banks contributed 102.2 billion RMB, with a year-on-year growth of 4.2%, while joint-stock banks added 4.53 billion RMB, which is an increase of 31.1 billion RMB compared to the previous year [1] Group 2: Credit Structure Optimization - The People's Bank of China Liaoning Branch has utilized various structural monetary policy tools to guide funds towards key areas and weak links, deploying approximately 77 billion RMB in central bank funds through tools like re-loans for technological innovation and consumer services, which has stimulated financial institutions to issue around 370 billion RMB in various loans [2] - Future plans include establishing special quotas such as "Le Gou Loan" and "Silver Hair Loan" to support loans for consumer services and the elderly care industry, ensuring comprehensive coverage of re-loans for agriculture and small enterprises in key areas [2] Group 3: Sustainable Interest Rate Environment - The People's Bank of China Liaoning Branch aims to optimize the interest rate environment as a crucial part of improving the business environment, continuously guiding a steady decline in overall financing costs and strengthening the supervision of interest rate policies to maintain market competition [2] - In December, the interest rates for newly issued corporate loans and inclusive micro-loans decreased by 248 basis points and 271 basis points, respectively, compared to the end of 2020, demonstrating significant effectiveness in reducing financial burdens on the real economy [2]