去年河南新发放企业贷款创近年新高，融资成本持续下行—— 金融支持实体经济更加有力有效

Core Insights - The financial sector in Henan province is actively supporting the real economy, with significant growth in various loan categories and a focus on key sectors such as technology, green finance, and inclusive finance [2][3][4]. Financial Overview - As of the end of 2025, the total deposit balance in the province reached 11.9 trillion yuan, while the loan balance stood at 9.3 trillion yuan [3]. - New corporate loans issued amounted to 3 trillion yuan, marking a new high since 2022, with first-time loans totaling 399.31 billion yuan [3]. - The average interest rates for new corporate loans and personal housing loans were 3.36% and 3.17%, respectively, both showing a year-on-year decrease of 0.4 and 0.38 percentage points [3]. Sector-Specific Loan Growth - Loans in key sectors, referred to as the "five major articles," reached a total of 3.1 trillion yuan, reflecting a year-on-year growth of 12% [4]. - Specific loan growth rates for 2025 included: - Technology loans increased by 12.9% - Green loans surged by 24.9% - Inclusive loans rose by 7.2% - Loans for the elderly care industry skyrocketed by 52.6% - Digital economy loans grew by 14.6% [4]. Agricultural Financing Initiatives - The agricultural loan balance in the province reached 2.5 trillion yuan by the end of 2025, with a focus on precision financing and product innovation [5]. - The province issued 99.41 billion yuan in re-loans for agricultural support, a year-on-year increase of 119.7 billion yuan [5]. - New financial products tailored to local agricultural needs include "Henan Agricultural Revitalization Loan," "Grain Benefit Loan," and "Beautiful Village Loan" [5]. Credit Repair Policy - A new credit repair policy allows individuals with overdue amounts not exceeding 10,000 yuan to have their overdue information removed from credit reports if they repay by March 31, 2026 [6]. - This policy is implemented automatically without requiring applications, and additional opportunities for free credit report inquiries will be provided in the first half of 2026 [6].