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 ...

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]

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 Viewpoint - The People's Bank of China emphasizes the need to enhance financial support for technology-oriented small and medium-sized enterprises (SMEs) and key sectors such as "two highs" and "two new" to promote economic growth and structural upgrades [1] Group 1 - The central bank aims to drive rapid growth in loans for technology-oriented SMEs [1] - There is a focus on increasing financing support for key areas, particularly "two highs" (high technology and high value-added) and "two new" (new technologies and new industries) [1] - The meeting highlights the importance of addressing structural contradictions in key industries to facilitate quality upgrades [1] Group 2 - The central bank will ensure reasonable financing needs for foreign trade enterprises are met [1] - There is an emphasis on strengthening the regulation and risk prevention of electronic receivables [1]