作者：孙璐璐 贺觉渊 程丹 国务院新闻办公室于今日下午3时，举行"高质量完成'十四五'规划"系列主题新闻发布会，中国人民银 行行长潘功胜，金融监管总局局长李云泽，中国证监会主席吴清，中国人民银行副行长、国家外汇局 局长朱鹤新介绍"十四五"时期金融业发展成就，并答记者问。 潘功胜：中国特色现代货币政策框架逐步形成 潘功胜在国新办新闻发布会上表示，"十四五"以来，我国金融服务实体经济质效大幅提升，坚持支持性的 货币政策立场，中国特色的现代货币政策框架逐步形成，政策传导更为有效。 潘功胜："十四五"时期科技型中小企业贷款、普惠小微贷款、绿色贷款年均增速超过20% 潘功胜表示，"十四五"时期，科技型中小企业贷款、普惠小微、绿色贷款年均增速超过20%。特别是 2024年9月中央政治局会议以来，中国人民银行按照中央部署，出台了一系列货币金融政策举措，有效稳 定市场预期、提振信心，推动经济持续回升向好和高质量发展。 潘功胜：今日发布会主要介绍"十四五"时期金融业发展情况 不涉及短期政策调整 潘功胜表示，今天的新闻发布会的主题是介绍"十四五"时期金融业的发展情况，主要是从中长期的视角回 顾和总结"十四五"，不涉及短期政策的调 ...

贷款方面，8月末，全省本外币贷款余额92876.5亿元，人民币贷款余额92622.2亿元。分部门看，住户贷 款余额35121.8亿元，企（事）业单位贷款余额57342.3亿元，非银行业金融机构贷款余额39亿元。值得 关注的是，8月末，全省普惠小微贷款余额1.27万亿元，同比增长11.03%，保持较快增速。 社融数据能够更加全面地反映金融对实体经济的支持力度。前7个月，全省社会融资规模增量累计为 6272.7亿元。（记者 李鹏） 责任编辑： 郭栩汝 9月17日，记者从中国人民银行河南省分行获悉，8月份河南省金融运行情况发布。数据显示，金融支持 实体经济力度持续稳固，全省普惠小微贷款增速较快。 具体来看，存款方面，8月末，全省本外币存款余额115993.7亿元，人民币存款余额115557.1亿元。其 中，住户存款余额82020亿元；非金融企业存款余额17494亿元；财政性存款余额1102.9亿元；非银行业 金融机构存款余额3964.2亿元。 ...

Core Viewpoint - The financial data released by the People's Bank of China indicates strong financial support for the real economy, with significant increases in various loan categories and monetary indicators [1] Group 1: Loan Growth - In the first eight months, RMB loans increased by 13.46 trillion yuan [1] - The growth rate of inclusive small and micro loans and medium to long-term loans for the manufacturing sector exceeded the growth rate of other loan categories during the same period [1] Group 2: Monetary Indicators - Two key financial indicators reflecting support for the real economy, the growth rate of social financing stock and the broad money supply (M2), both stood at 8.8% at the end of August [1] - The increase in funds being converted into demand deposits is expected to facilitate consumption and investment activities [1]

Group 1 - The macroeconomic policies have been significantly strengthened since August, with various departments collaborating to support the real economy through measures such as tax reductions and interest rate cuts [1][2] - The recent "combination punch" policies are seen as effective, addressing multiple areas including fiscal, real estate, and monetary policies, which are expected to provide sustainable benefits to the market [2][3] - Key macro indicators show positive marginal improvements, such as the manufacturing PMI rising in August and a notable reduction in the decline of imports and exports [2] Group 2 - The effectiveness of monetary and credit policies is being realized, enhancing the internal driving force of the economy and promoting both qualitative and quantitative growth [4] - The central bank has maintained a stable total amount of monetary credit while directing resources towards more dynamic sectors, particularly supporting private small and micro enterprises [4][5] - Data indicates that from January to July, new loans to private enterprises reached 5.9 trillion yuan, with significant growth in inclusive small and micro loans and loans to technology-based SMEs [5]

Core Insights - The People's Bank of China reported a total RMB loan balance of 268.56 trillion yuan by the end of Q2 2025, reflecting a year-on-year growth of 7.1% and an increase of 12.92 trillion yuan in the first half of the year [1] Loan Growth by Sector - Corporate loans showed steady growth, with a total balance of 182.47 trillion yuan by the end of Q2 2025, up 8.6% year-on-year, adding 11.5 trillion yuan in H1 [1] - Short-term loans and bill financing reached 62.04 trillion yuan, growing 9.4% year-on-year, while medium to long-term loans totaled 116.79 trillion yuan, up 8.3% [1] - Industrial and infrastructure-related medium to long-term loans grew rapidly, reaching 26.27 trillion yuan, a 10.7% increase year-on-year, with heavy industry loans at 22.35 trillion yuan (10.2% growth) and light industry loans at 3.92 trillion yuan (13.6% growth) [1] Service Sector and Green Loans - The service sector's medium to long-term loan balance was 71.62 trillion yuan, growing 6.8% year-on-year, with non-real estate service loans up 7.3% [2] - Green loans saw significant growth, with a total balance of 42.39 trillion yuan, increasing 14.4% since the beginning of the year [2] - Specific green loan categories included 18.75 trillion yuan for infrastructure upgrades and 8.25 trillion yuan for energy transition [3] Agricultural and Real Estate Loans - Agricultural loans continued to grow, with a total balance of 53.19 trillion yuan, reflecting a 7.4% year-on-year increase [3] - Real estate loans showed a recovery, with a total balance of 53.33 trillion yuan, up 0.4% year-on-year, and personal housing loans at 37.74 trillion yuan, down slightly by 0.1% [4] Support for Technology Enterprises - Loans to technology-oriented SMEs reached 3.46 trillion yuan, growing 22.9% year-on-year, with a loan support rate of 50% [4] - High-tech enterprises also received substantial support, with a loan balance of 18.78 trillion yuan, reflecting an 8.2% year-on-year increase [4] Household Loans - Household loans maintained growth, totaling 84.01 trillion yuan, up 3% year-on-year, with consumption loans (excluding housing) at 21.18 trillion yuan, growing 6% [5]

中新网西宁8月7日电(李隽)7日，记者从中国人民银行青海省分行召开的新闻发布会上获悉，上半年青 海省对重点领域和薄弱环节金融支持精准有力，信贷绿色化水平维持高位，普惠小微贷款持续增长。 6月末，青海省本外币各项贷款余额7945.4亿元，同比增长1.2%，上半年新增77.2亿元；人民币各项贷 款余额7910.3亿元，同比增长1.2%，上半年新增77.5亿元。 此外，青海省普惠小微贷款持续增长。6月末，该省普惠小微贷款余额515.9亿元，同比增长9.2%，高于 各项贷款增速8个百分点；支持普惠小微经营主体达12.6万户，上半年新增1.2万户，同比增长17.8%； 普惠小微信用贷款余额252.9亿元，占普惠小微贷款余额的49%，较去年同期提高7.1个百分点，普惠小 微贷款实现提质增效扩面。 6月末，该省信息传输、软件和信息技术服务业以及科学研究和技术服务业贷款余额20.6亿元，同比增 长77.6%，高于各项贷款增速76.4个百分点；上半年新增7.5亿元，在近五年同期增量中属较高水平，精 准支持全省科技型企业发展。(完) 图为新闻发布会现场。李隽摄 "今年上半年，青海省工业贷款增加较多。6月末，全省工业贷款余额218 ...

Group 1 - Nanjing Gaoke increased its stake in Nanjing Bank from 8.94% to 9.00%, reflecting confidence in the bank's future development [1] - Nanjing Bank's total assets and deposits have increased, indicating steady growth in performance [1] - Major shareholders of several listed banks, including Everbright Bank and Jiangsu Bank, have announced shareholding increase plans this year [1] Group 2 - Eight banks in Shanghai jointly launched a series of financial products aimed at supporting AI-enabled industrialization, with a projected credit limit of at least 400 billion yuan by the end of 2027 [2] - The People's Bank of China reported a 12.3% year-on-year increase in the balance of inclusive micro and small loans, reaching 35.6 trillion yuan in the first half of 2025 [2] - The average interest rate for inclusive micro and small enterprise loans has decreased, with a 22.9% year-on-year increase in loans to technology-based SMEs [2] Group 3 - Liaocheng Antai City Investment was listed as a dishonest executor due to failure to fulfill an agreement, with a case amount exceeding 11.05 million yuan [3] - Despite maintaining an AA rating, the company faces financial pressure and risks related to asset scale and receivables [3] - The company reported a revenue of 4.669 billion yuan and a net profit of 355 million yuan in 2024, but its debt repayment ability and cash flow are under significant pressure [3] Group 4 - The Agricultural Development Bank of China was fined 10.2 million yuan for non-compliance in credit fund allocation and inadequate post-loan management [4] Group 5 - Hong Kong officially implemented the Stablecoin Regulation Draft to regulate the virtual asset market, requiring entities issuing or claiming to anchor the Hong Kong dollar to apply for a license [5] - The regulation aims to ensure market stability and promote financial innovation, with strict requirements for reserve asset management and redemption mechanisms [5] Group 6 - The State Council announced personal consumption loan interest subsidy policies to stimulate consumption and activate the market [6] - The policy aims to lower credit costs for residents and service industry entities, promoting economic growth [6] Group 7 - In the first half of 2025, China's banking wealth management market saw a steady development, with the total scale of wealth management products reaching 30.67 trillion yuan, a year-on-year increase of 7.53% [7] - Wealth management companies' market share increased to 89.61%, while self-managed wealth management scale of small and medium banks decreased significantly [7] - Wealth management products generated a total return of 389.6 billion yuan for investors, a year-on-year increase of 14.18% [7] Group 8 - The establishment of Guizhou Rural Commercial Bank has been initiated, aiming to strengthen local financial institutions [8] - The new bank will inherit all business, assets, and debts from the original provincial credit cooperative [8]

Core Insights - The People's Bank of China (PBOC) is enhancing financial support for inclusive micro and small enterprises, with a significant growth in inclusive micro and small loans [1][2] - As of June 2025, the balance of inclusive micro and small loans reached 35.6 trillion yuan, reflecting a year-on-year growth of 12.3%, which is 5.2 percentage points higher than the growth rate of all loans [1] - The average interest rate for newly issued inclusive micro and small enterprise loans was 3.48% in June 2025, down 12 basis points from March and 66 basis points from the same period last year [1] Financial Support Mechanisms - The PBOC is focusing on policy guidance, funding support, and capacity building to improve the financing accessibility, inclusiveness, and convenience for enterprises [1] - The total increase in inclusive micro and small loans in the first half of the year was 2.6 trillion yuan, indicating a substantial rise [1] Credit Loan Trends - The proportion of credit loans within inclusive micro and small loans has increased, with nearly 30% of these loans being credit-based as of June, up 0.7 percentage points from the previous quarter [2] - The balance of loans for technology-based small and medium enterprises reached 3.5 trillion yuan, showing a year-on-year growth of 22.9% [2] - Approximately 274,000 technology-based small and medium enterprises received loan support, with a loan acquisition rate of 50% [2]

Core Insights - The social financing scale in Liaoning Province increased by 279.3 billion yuan in the first half of 2025, marking the highest level for the same period in the past decade [1] - The total RMB loan balance of financial institutions in Liaoning reached 5.36 trillion yuan by the end of June 2025, with an increase of 167.3 billion yuan since the beginning of the year, and a year-on-year increase of 130.1 billion yuan [1] Loan Structure - State-owned banks maintained a high growth rate in lending [1] - Inclusive small and micro loans grew by over 20%, with a balance of 473.1 billion yuan at the end of June, reflecting a year-on-year growth of 21.5%, which is 7.1 percentage points higher than the previous quarter [1] - Loans for scientific research and technical services increased significantly, with a balance of 32.4 billion yuan, showing a year-on-year growth of 65.01% [1] - Manufacturing loans also saw a year-on-year increase, with a balance of 698.8 billion yuan at the end of June, an increase of 43.5 billion yuan since the beginning of the year, and a year-on-year increase of 40.8 billion yuan [1] Deposits Overview - The total RMB deposit balance of financial institutions in Liaoning reached 8.54 trillion yuan, reflecting a year-on-year growth of 4% [1] - Household deposits and non-financial enterprise deposits stood at 6.48 trillion yuan and 1.01 trillion yuan, respectively [1]

Core Viewpoint - The trend of decreasing business loan interest rates is emerging, similar to the previous competition in consumer loan rates, with some banks offering rates below 3% and even as low as 2.15% for secured loans [1][2][3]. Group 1: Current Interest Rate Trends - Many banks, including state-owned and joint-stock banks, are now offering business loan rates below 3%, with some products like "mortgage quick loans" available at rates as low as 2.60% [2]. - In regions outside Guangdong, such as Sichuan, banks are also offering competitive rates, with one bank providing a 1-year mortgage-backed business loan at 2.15% for high-quality collateral [2]. - Some larger banks maintain higher rates, with one reporting a pure credit business loan rate of 3.6% and a secured loan rate around 3% [3]. Group 2: Factors Influencing Rate Changes - The decline in business loan rates is attributed to insufficient credit demand from economic entities and policy initiatives aimed at reducing financing costs for the real economy [1][7]. - The People's Bank of China has reported a slowdown in the growth of short-term and medium-term business loans, indicating a decrease in demand [8]. Group 3: Implications for Banks - Lower business loan rates may compress net interest margins and reduce banks' profitability, particularly affecting smaller banks more than larger ones due to their reliance on interest income [9][10]. - Experts suggest that banks should innovate financial products and focus on effective market demand to balance business expansion and asset quality [9][10].