Core Insights - The banking and insurance sectors in China are experiencing growth in total assets and enhanced capabilities to serve the real economy as of the second quarter of 2025 [1] Banking Sector - The total assets of the banking sector reached 467.3 trillion yuan, reflecting a year-on-year growth of 7.9% [1] - The balance of inclusive loans to small and micro enterprises amounted to 36 trillion yuan, with a year-on-year increase of 12.3% [1] - The balance of inclusive agricultural loans was 13.9 trillion yuan, which increased by 1.1 trillion yuan since the beginning of the year [1] - The overall asset quality of commercial bank credit remains stable, with non-performing loans totaling 3.4 trillion yuan, a decrease of 240 million yuan from the previous quarter [1] - The non-performing loan ratio stands at 1.49%, down by 0.02 percentage points from the previous quarter [1] Insurance Sector - By the end of the second quarter of 2025, total assets of insurance companies and insurance asset management companies reached 39.2 trillion yuan, an increase of 3.3 trillion yuan since the beginning of the year, representing a growth of 9.2% [1] - In the first half of the year, the original insurance premium income was 3.7 trillion yuan, showing a year-on-year growth of 5.1% [1] - Claims and benefit payments amounted to 1.3 trillion yuan, reflecting a year-on-year increase of 9% [1] - The number of new insurance policies issued reached 52.4 billion, with a year-on-year growth of 11.1% [1] - The insurance sector's solvency is robust, with a comprehensive solvency adequacy ratio of 204.5% and a core solvency adequacy ratio of 147.8% as of the second quarter of 2025 [1]

新华财经北京8月15日电（记者李延霞、张千千）国家金融监督管理总局15日发布的数据显示，2025年 二季度末，银行业金融机构普惠型小微企业贷款余额达36万亿元，同比增长12.3%。 保险业偿付能力充足。二季度末，保险业综合偿付能力充足率为204.5%，核心偿付能力充足率为 147.8%。 （文章来源：新华社） 商业银行信贷资产质量总体稳定，风险抵补能力整体充足。二季度末，商业银行不良贷款率1.49%，较 上季末下降0.02个百分点；拨备覆盖率为211.97%，较上季末上升3.84个百分点。 数据显示，银行业和保险业金融服务持续加强。二季度末，普惠型涉农贷款余额达13.9万亿元，较年初 增加1.1万亿元。上半年，保险公司原保险保费收入3.7万亿元，同比增长5.1%；赔款与给付支出1.3万亿 元，同比增长9%；新增保单件数524亿件，同比增长11.1%。 ...