2025年末普惠型小微企业贷款余额同比增长11%

Core Insights - The report from the National Financial Supervision Administration indicates significant growth in the banking and insurance sectors in China for the year 2025, with specific figures highlighting the performance of micro and small enterprise loans and agricultural loans [1] Banking Sector - By the end of Q4 2025, the balance of inclusive loans to micro and small enterprises reached 37 trillion yuan, marking an 11.0% year-on-year increase [1] - The total assets of banking financial institutions amounted to 480 trillion yuan, reflecting an 8.0% year-on-year growth [1] - The non-performing loan ratio for commercial banks stood at 1.50%, a decrease of 0.02 percentage points from the previous quarter [1] - The provision coverage ratio for commercial banks was reported at 205.21% [1] - The capital adequacy ratio for commercial banks (excluding foreign bank branches) was 15.46%, with a tier 1 capital adequacy ratio of 12.37% and a core tier 1 capital adequacy ratio of 10.92% [1] Insurance Sector - The original insurance premium income for insurance companies reached 6.1 trillion yuan in 2025, showing a year-on-year growth of 7.4% [1] - Claims and benefit expenditures amounted to 2.4 trillion yuan, which is a 6.2% increase compared to the previous year [1] - The number of new insurance policies issued was 116.8 billion, reflecting a 12.6% year-on-year increase [1] - The total assets of insurance companies and insurance asset management companies reached 41.3 trillion yuan, a 15.1% increase from the beginning of the year [1] - The average comprehensive solvency adequacy ratio for insurance companies was 181.1%, with a core solvency adequacy ratio of 130.4%, both exceeding regulatory standards [1]