宁夏扎实做好金融“五篇大文章”服务自治区经济高质量发展显成效

Core Insights - The People's Bank of Ningxia Hui Autonomous Region (PBOC Ningxia) announced that by 2025, the social financing scale and structural monetary policy tool balance will reach historical highs, with financing costs remaining low [1] Financing Volume and Structure - By the end of 2025, the total RMB loan balance in Ningxia reached 1,045.275 billion yuan, with an annual increase of 48.783 billion yuan, which is 8.295 billion yuan more than the previous year [2] - The medium and long-term loan balance was 698.669 billion yuan, with an annual increase of 22.172 billion yuan, accounting for 45.5% of the total loan increase, supporting major project construction and reasonable housing demand [2] - The social financing scale in Ningxia increased by 125.605 billion yuan in 2025, which is 53.886 billion yuan more than the previous year, driven by government bonds and corporate financing [2] Monetary Policy Tools - PBOC Ningxia implemented a combination of policies to expand financing, including structural monetary policy tools that cover key areas and weak links, with a balance exceeding 70 billion yuan by the end of 2025 [3] - The balance of re-loans and re-discounts for supporting agriculture and small enterprises reached 27.4 billion yuan, setting a new historical high [3] Loan Interest Rates - In December 2025, the weighted average interest rate for new corporate loans was 3.01%, and for personal housing loans, it was 3.10%, both at the lowest levels recorded [4] - The PBOC Ningxia initiated a pilot program to clarify the comprehensive financing costs for enterprises, aiming to reduce overall financing costs and enhance transparency [5] Future Outlook - PBOC Ningxia plans to continue implementing moderately loose monetary policies and utilize various monetary policy tools to maintain reasonable credit growth and support high-quality economic development in Ningxia [6]