中国银行答上证报：今年境内人民币贷款增速预计将跑赢大市

Core Viewpoint - China Bank aims to enhance its capital strength to better serve the real economy, with a focus on high-quality development and optimized credit allocation by 2026 [1][2]. Group 1: Capital and Credit Growth - In 2025, China Bank will complete its capital increase, which is essential for its high-quality development [1]. - The bank plans to maintain a stable and balanced growth in total credit, with domestic RMB loan growth expected to outperform the market [1]. - The RMB credit balance has shown strong growth in the first two months of the year, laying a solid foundation for annual credit issuance [1]. Group 2: Credit Structure Optimization - China Bank will optimize its credit structure by supporting domestic demand, boosting consumption, and facilitating effective investments, particularly in major national projects outlined in the 14th Five-Year Plan [1]. - The bank will steadily expand personal housing loans and non-housing consumer loans [1]. Group 3: Global Strategy and Service Enhancement - China Bank will enhance its global strategy by improving services for enterprises going abroad, focusing on sectors such as intelligent manufacturing, new energy, new materials, and biomedicine [2]. - The bank has proactively issued loans to small and micro enterprises and for equipment upgrades, leading the industry in these areas [2].