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]

精准助力"甜蜜事业"发展。北海合浦县是广西甘蔗种植和产糖大县。工行北海分行结合县域经济特色， 创新应用"蔗担贷"解决蔗农贷款"担保难"难题，加大对地方特色农业产业支持，助力"甜蜜事业"发展。 2025年初，北海市合浦县甘蔗种植大户老李面临资金周转难题，他急需资金购买种植设备、种子、化肥 等材料。北海分行营销团队在走访中了解到相关情况后，快速为老李量身定制了银政通个人经营贷款融 资方案。经深入调查，结合种植户经营场所及自身固定资产实际情况等，难以提供贷款有效的抵押物， 又无法找到符合条件的担保人的情况，通过与广西农担公司合作，由农担公司为其贷款提供担保，解决 蔗农贷款"担保难"难题，顺利为老李发放200万元"蔗担贷"。截至2025年3月末，工行北海分行本年累放 蔗农"蔗担贷"4户，金额共计800万元，用于甘蔗育种等，助力蔗农发展"甜蜜事业"。（ 蔡杰 戴好） 工行北海分行紧跟农业生产步伐，坚持涉农贷款优先，加大涉农贷款投放，优先满足涉农企业融资需 求，大力支持农户春耕备耕， 让金融"春雨"润泽广阔田野。截至2025年3月31日，该行涉农贷款余额较 年初净增超2.9亿元，增幅29%；其中普惠型涉农贷款较年初净增超 ...