12月金融数据点评：12月新增信贷和社融季节性多增

Group 1: Loan and Financing Data - In December 2024, new RMB loans amounted to 990 billion yuan, an increase of 410 billion yuan from November 2024, but a decrease of 180 billion yuan compared to December 2023[2][4] - The total new social financing scale in December 2024 was 28,575 billion yuan, which is an increase of 5,313 billion yuan from November 2024 and an increase of 9,249 billion yuan from December 2023[8] - The total balance of loans at the end of December 2024 reached 255.7 trillion yuan, marking a year-on-year growth of 7.6%[4] Group 2: Economic Indicators - The M2 balance showed a year-on-year growth of 7.3% at the end of December 2024, which is an increase of 0.2 percentage points from November 2024[9] - The total social financing scale at the end of December 2024 was 408.34 trillion yuan, reflecting a year-on-year growth of 8.0%[8] - The net withdrawal of deposits in December 2024 was -1.4 trillion yuan, a decrease of 3.57 trillion yuan from November 2024[9] Group 3: Predictions and Trends - It is predicted that new RMB loans in January 2025 will significantly increase to around 4.5 trillion yuan, following seasonal trends[10][11] - The balance of various loans at the end of December 2024 continued to set historical highs, indicating a potential increase in economic activity[3][4]