低基数下4月M2大幅增长。 中国人民银行（简称"央行"）5月14日发布的金融数据显示，今年前4个月金融总量数据持续向好，4月末M2（广义货币）余额增速同比大幅增长8%，比上月 末高1个百分点，既与去年低基数因素相关，也反映出央行逆周期调节和金融稳经济效果持续显现。 今年前4个月，人民币贷款增加10.06万亿元，其中，4月新增人民币贷款约2800亿元；前4个月社会融资规模增量累计为16.34万亿元，其中，4月社融规模增 量为1.16万亿元，同比多增1.22万亿元。 从前4个月金融总量数据看，社会融资规模存量、广义货币M2、人民币贷款增速分别为8.7%、8%、7.2%，持续高于名义GDP增速，金融对实体经济支持的力 度仍然较大。反映资金活化程度的M1（狭义货币）余额同比增长1.5%，比上月末低0.1个百分点，增速保持平稳。 随着一揽子金融政策出台，金融总量有望保持平稳增长。随着外部环境出现有利转变，适度宽松货币政策有望更快见效。业内人士表示，货币政策适度宽松 的效果将持续体现。有市场信任的基础，政策的实际效果还会进一步放大。 低基数因素下M2大幅增长 今年4月，货币信贷整体保持平稳较好增长势头，在上年低基数效应作 ...

Core Viewpoint - The People's Bank of China (PBOC) released the monetary policy execution report for the first quarter of 2025, indicating stable and rapid growth in financial aggregate indicators in recent years [1] Group 1: Financial Growth Indicators - By the end of 2024, the year-on-year growth rates of social financing scale, broad money M2, and RMB loans are expected to remain between 7% and 8% [1] - The growth rate of these financial aggregates exceeds the nominal economic growth rate, which is at a historically high level [1] Group 2: Price Trends - The speed of price recovery is significantly lower than the growth rate of financial aggregates [1]

总体来看，一季度全区社会融资规模稳步扩大，存贷款总量合理增长，信贷结构持续优化，融资成本稳 中有降。分部门看，住户贷款余额3867.63亿元，同比增长7.5%；企事业单位贷款余额6323.73亿元，一 季度新增90.52亿元。从期限看，全区中长期贷款余额6874.74亿元，一季度新增109.77亿元，占各项贷 款增量的48.0%，有力支持了我区重大项目建设和个人合理住房需求；短期贷款余额2490.00亿元，同比 增长5.8%，一季度新增151.06亿元，占各项贷款增量的66.1%，有效满足了企业的合理流动性融资需 求。 在信贷总量、政府债券以及银行承兑汇票持续增长的带动下，全区社会融资规模增势较好。一季度，全 区社会融资规模增量为486.91亿元，同比多增191.20亿元，金融支持实体经济力度不断加大。其中，对 实体经济发放的人民币贷款、地方政府债券融资、未贴现的银行承兑汇票增量分别占社会融资规模增量 的47.2%、28.3%和19.9%。据了解，截至3月末，全区个人非住房类消费贷款余额同比增长9.1%，明显 高于各项贷款增速，有效满足了消费领域的融资需求。工业及基础设施贷款投放力度较大，一季度，全 区工业贷 ...

4月28日，记者从人民银行广西区分行获悉，广西精准有效落实适度宽松的货币政策，引导金融机 构提升服务实体经济质效，金融总量保持合理增长。一季度，广西社会融资规模增量为2365.08亿元， 同比多增83.46亿元，贷款增速持续高于全国平均水平。 广西引导金融机构加大对房地产企业合理融资和城中村改造等"三大工程"的金融支持力度，3月 末，广西房地产贷款余额1.17万亿元，连续9个月保持正增长。 在降低社会综合融资成本方面，广西引导金融机构强化风险定价理念，健全科学定价机制，畅通利 率传导渠道，推动企业和个人融资成本稳中有降。 一季度，广西新发放各项贷款加权平均利率3.26%，同比下降54个基点。其中，企业贷款加权平均 利率3.34%，同比下降36个基点。贷款利率下行叠加住房贷款利率调整、货币政策工具支持，广西企业 融资和居民信贷成本累计降低超37亿元。（谭卓雯 农宇） 在全区新增社会融资规模中，贷款保持主要支柱地位。一季度，全区金融机构向实体经济发放的本 外币贷款增加1600.97亿元，占社会融资规模增量的67.7%，比全国高4.5个百分点。3月末，广西各项存 款、贷款余额分别为4.85万亿元、5.57万亿元，同 ...

Financial Overview - In the first quarter, Shandong's social financing scale grew better than the national average, with a year-on-year increase of 10.5%, compared to the national growth of 2.13 percentage points lower [2] - The total financial value in Shandong increased steadily, with the financial industry's added value growing by 5%, surpassing the national growth rate by 1.2 percentage points [2] Interest Rates and Financing Costs - The average interest rate for newly issued corporate loans in Shandong was 3.69%, a decrease of 0.27 percentage points year-on-year, while the average interest rate for debt financing tools was 2.49%, down by 0.53 percentage points [3] - The cost of loans for agricultural and small enterprises was lower by over 0.3 percentage points compared to other funding sources [3] Real Estate Financing - Real estate financing in Shandong showed stable growth, with a total of 820 projects included in the "white list" for financing, amounting to a loan balance of 197.4 billion yuan [4] - The monthly average issuance of real estate development loans in 2024 reached 1.32 times that of 2023, indicating a recovery in housing loan demand [5] Support for Private Enterprises - Over 11,000 private enterprises benefited from ongoing financial support services, with 5,130 companies receiving a total of 110.65 billion yuan in financing [6] - The balance of loans to non-state-owned enterprises reached 3.21 trillion yuan, an increase of 186.98 billion yuan since the beginning of the year [6] Inclusive Finance - The balance of inclusive small and micro loans reached 2.2 trillion yuan, with a year-on-year growth of 14.1% [7] - Shandong has initiated a financial asset investment company pilot program, signing 13 funds with an initial scale exceeding 10 billion yuan [7]

Core Insights - In the first quarter of this year, Guangxi's social financing scale increased by 236.51 billion yuan, a year-on-year increase of 8.3 billion yuan [1] - The financing structure in Guangxi continues to optimize, with real estate loans maintaining positive growth [1] Financing Growth - As of the end of March, Guangxi's total deposits and loans reached 4.85 trillion yuan and 5.57 trillion yuan, respectively, with year-on-year growth of 5.7% and 8.0%, where the loan growth rate is 1.1% higher than the national average [1] - Key sectors and weak links in Guangxi saw rapid loan growth, with direct financing increasing in both volume and proportion [2] Manufacturing and Small Business Support - The balance of medium to long-term loans in the manufacturing sector grew by 16.3% year-on-year, outpacing the overall loan growth rate by 8.3% [2] - Inclusive and small business loans increased by 11.9% and 12.4% year-on-year, respectively, exceeding the overall loan growth rate by 3.9% and 4.4% [2] Real Estate Financing - As of the end of March, the balance of real estate loans in Guangxi reached 1.17 trillion yuan, maintaining positive growth for nine consecutive months [2] Interest Rate and Cost Reduction - The weighted average interest rate for newly issued loans in Guangxi was 3.26% in the first quarter, a decrease of 54 basis points year-on-year [2] - The average interest rate for corporate loans was 3.34%, down 36 basis points year-on-year, resulting in over 3.7 billion yuan in savings for enterprises and residents [2] Support for Private Enterprises - From January to March, Guangxi's central bank system secured 20.78 billion yuan in funds for the private economy, facilitating nearly 44 billion yuan in new loans for the private sector [3] - As of the end of March, the loan balance for Guangxi's private economy reached 1.22 trillion yuan, with steady growth in credit volume [3]

3月末，辽宁省金融机构人民币各项存款余额8.49万亿元。分部门看，住户存款和非金融企业存款余额 分别是6.43万亿元和1.02万亿元。 新华财经沈阳4月28日电（记者李宇佳）记者从中国人民银行辽宁省分行获悉，2025年一季度，辽宁省 社会融资规模累计增加2125亿元，是自有统计以来同期最高，同比多增1013亿元。其中，向实体经济发 放的人民币贷款1542亿元，同比多增459亿元。 2025年3月末，辽宁省金融机构人民币各项贷款余额5.34万亿元，比年初增加1454亿元，创近六年同期 最高，同比多增336亿元。从结构上看，国有大行及重点领域贷款增势较好。一是国有大行贷款保持较 高增速。分机构看，工、农、中、建、交、邮储六大行贷款余额2.44万亿元，同比增长8.02%，比上年 末高0.58个百分点。二是住户短期消费贷款保持高速增长。3月末，住户短期消费贷款余额1571亿元， 同比增长44%，比上年同期高27.5个百分点，比年初增加103亿元，同比多增88亿元。三是科学研究和 技术服务业贷款增长较快。科学研究和技术服务业贷款余额324亿元，同比增长75.47%，比年初增加91 亿元，同比多增70亿元。四是制造业贷款 ...

新华财经天津4月28日电（记者李亭）记者28日从中国人民银行天津市分行新闻发布会获悉，2025年一 季度，天津市存款、贷款和社会融资规模保持稳定增长，有力支持实体经济回升向好。 一季度，天津社会融资规模累计增加1412亿元。银行业融资稳定增长。一季度，全市银行业机构向实体 经济提供的资金合计增加775亿元，占社会融资规模的54.9%。全市信托贷款增加215亿元，同比多增 117亿元，占社会融资规模增量的15.2%，占比较去年同期上升8.3个百分点。企业债券和地方政府债券 融资同比多增。一季度，全市企业债券净融资135亿元，同比多208亿元；地方政府债券净融资405亿 元，同比多208亿元。 （文章来源：新华财经） 3月末，天津各项存款余额4.84万亿元，同比增长7.0%，较年初增加993亿元。其中，全市住户存款余额 2.52万亿元，比年初增加867亿元，同比增长9.3%，高于各项存款平均增速2.3个百分点。 3月末，天津各项贷款余额4.72万亿元，同比增长2.7%，较年初增加995亿元。贷款结构持续优化，重点 领域贷款保持较快增长势头。3月末，全市工业中长期贷款同比增长8.9%，其中计算机、通信和其他电 子设 ...

广西一季度社融增量2365亿元 贷款增速持续高于全国 智通财经4月28日电，中国人民银行广西壮族自治区分行4月28日召开2025年一季度新闻发布会，介绍今 年一季度广西金融运行情况。今年一季度，广西社会融资规模增量为2365.08亿元，同比多增83.46亿 元。其中，贷款保持主要支柱地位，向实体经济发放的本外币贷款增加1600.97亿元，占社会融资规模 增量的67.7%，比全国高4.5个百分点。 ...

21世纪经济报道记者 庞成 广州报道 4月28日，中国人民银行广西壮族自治区分行召开2025年一季度新闻发布会，介绍今年一季度广西金融 运行情况。 人民银行广西区分行调查统计处副处长陈少敏在会上表示， 今年以来，该行坚决贯彻落实中央、自治 区和人民银行总行各项决策部署，精准有效落实适度宽松的货币政策，社会融资规模实现同比多增，贷 款增速保持高于全国，融资结构持续优化，融资成本稳中有降，为广西经济持续回升向好营造了良好的 货币金融环境。 数据显示，今年一季度，广西社会融资规模增量为2365.08亿元，同比多增83.46亿元。其中，贷款保持 主要支柱地位，向实体经济发放的本外币贷款增加1600.97亿元，占社会融资规模增量的67.7%，比全国 高4.5个百分点。 3月末，广西各项存款、贷款余额分别达到4.85万亿元和5.57万亿元，分别同比增长5.7%和8.0%。其 中，贷款增速比全国高1.1个百分点，排全国第10位、西部第3位，贷款增速持续高于全国。 重点领域和薄弱环节贷款增长较快 据陈少敏介绍，今年一季度，广西金融运行情况还呈现出以下特点：一是直接融资增量和占比双升。资 本市场融资功能持续发挥，地方政府发债前 ...