个人存款方面，定期存款同比少增。 1月上海人民币个人存款中定期存款、活期存款和结构性存款分别增加359亿元、247亿元和55亿元，同 比分别少增111亿元、616亿元和48亿元；大额存单减少136亿元，同比多减197亿元；通知存款减少70亿 元，同比多减272亿元。 1月，上海人民币境内企（事）业单位经营贷款和并购贷款分别增加1341亿元和83亿元，同比分别多增 337亿元和33亿元；固定资产贷款、融资租赁和贸易融资分别增加558亿元、63亿元、132亿元，同比分 别少增176亿元、85亿元、191亿元；票据融资减少239亿元，同比多减216亿元。 存款方面，1月上海人民币存款增加5698亿元，同比多增1.06万亿元。其中，住户存款增加428亿元，同 比少增1264亿元；非金融企业存款减少1362亿元，同比少减1968亿元；财政性存款增加552亿元，同比 少增9亿元；非银行业金融机构存款增加5903亿元，同比多增9416亿元。外币存款增加71亿美元，同比 少增18亿美元。 中国人民银行上海总部2月14日公布的1月上海货币信贷运行情况显示，1月份，人民币贷款增加2229亿 元，同比少增343亿元。人民币存款增加 ...

Group 1: Currency Loans - In 2025, the total foreign currency loans in the Yangtze River Delta increased by 2.1 billion USD, a year-on-year increase of 20.5 billion USD [1] - The total RMB loans in the region increased by 5.83 trillion CNY, a year-on-year decrease of 633.6 billion CNY [1] - Household sector loans increased by 77.3 billion CNY, a year-on-year decrease of 696.1 billion CNY, with short-term loans decreasing by 300.5 billion CNY and medium to long-term loans increasing by 377.8 billion CNY [1] Group 2: Corporate Loans - Corporate loans increased by 5.6 trillion CNY, a year-on-year increase of 189.7 billion CNY, with short-term loans increasing by 2.22 trillion CNY and medium to long-term loans increasing by 2.79 trillion CNY [1] - Bill financing increased by 481 billion CNY [1] - Non-bank financial institution loans decreased by 21.3 billion CNY, a year-on-year decrease of 64.7 billion CNY [1] Group 3: Deposits - In 2025, total RMB deposits in the Yangtze River Delta increased by 6.9 trillion CNY, a year-on-year increase of 2.83 trillion CNY [2] - Household sector deposits increased by 3.62 trillion CNY, a year-on-year increase of 127.7 billion CNY [2] - Non-financial corporate deposits increased by 1.05 trillion CNY, a year-on-year increase of 1.48 trillion CNY [2] Group 4: Foreign Currency Deposits - Total foreign currency deposits in the Yangtze River Delta increased by 75.4 billion USD, a year-on-year increase of 66.5 billion USD [2] - In December, foreign currency deposits increased by 1.2 billion USD, a year-on-year decrease of 6.7 billion USD [2]

Group 1: Loan Data - The total loan balance in the Yangtze River Delta region reached 76.07 trillion yuan at the end of October, with a year-on-year growth of 8.5%, a decrease of 0.1 percentage points from the previous month [1] - The balance of RMB loans was 75.17 trillion yuan, growing by 8.6% year-on-year, also down by 0.1 percentage points from the previous month [1] - Foreign currency loans increased by 2.1% year-on-year, amounting to 127.3 billion USD, with a growth rate up by 4 percentage points from the previous month [1] - In October, RMB loans increased by 26.3 billion yuan, which is 72.1 billion yuan less than the same month last year [1] - Household loans decreased by 128.5 billion yuan, which is a year-on-year decline of 171.2 billion yuan [1] - Corporate loans increased by 103.3 billion yuan, a year-on-year increase of 83.7 billion yuan [1] - Non-bank financial institutions' loans increased by 23 billion yuan, a year-on-year increase of 9 billion yuan [1] - Foreign currency loans increased by 2.3 billion USD, which is a year-on-year increase of 5.1 billion USD [1] Group 2: Deposit Data - The total deposit balance in the Yangtze River Delta region reached 86.02 trillion yuan at the end of October, with a year-on-year growth of 8.2%, maintaining the same growth rate as the previous month [2] - The balance of RMB deposits was 83.15 trillion yuan, growing by 7.8% year-on-year, down by 0.1 percentage points from the previous month [2] - Foreign currency deposits increased by 22.7% year-on-year, amounting to 405.2 billion USD, with a growth rate up by 5 percentage points from the previous month [2] - In October, RMB deposits increased by 40.6 billion yuan, which is 49.8 billion yuan less than the same month last year [2] - Household deposits decreased by 517.4 billion yuan, a year-on-year decline of 328 billion yuan [2] - Non-financial corporate deposits decreased by 255.7 billion yuan, a year-on-year decrease of 21.2 billion yuan [2] - Fiscal deposits increased by 129.6 billion yuan, a year-on-year increase of 10 billion yuan [2] - Non-bank financial institutions' deposits increased by 493.1 billion yuan, a year-on-year increase of 56.7 billion yuan [2] - Foreign currency deposits increased by 9.4 billion USD, a year-on-year increase of 15.4 billion USD [2]

Group 1 - The total balance of domestic and foreign currency loans in Shanghai reached 12.93 trillion yuan at the end of October, with a year-on-year growth of 7.3%, an increase of 0.2 percentage points from the previous month [1] - The balance of RMB loans was 12.31 trillion yuan, growing by 7.1% year-on-year, while foreign currency loans amounted to 865 billion USD, with a year-on-year increase of 11.6% [1] - In October, RMB loans increased by 17.8 billion yuan, with household loans increasing by 0.1 billion yuan and corporate loans decreasing by 7.3 billion yuan [1] Group 2 - In October, RMB financing through corporate bills increased by 8.4 billion yuan, with a year-on-year increase of 7.8 billion yuan [2] - Mergers and acquisitions loans and financing leases also saw increases of 1.2 billion yuan and 0.2 billion yuan respectively, with year-on-year increases of 3.1 billion yuan and 0.9 billion yuan [2] - Trade financing, operational loans, and fixed asset loans decreased by 10 billion yuan, 6.4 billion yuan, and 0.4 billion yuan respectively [2] Group 3 - The total balance of domestic and foreign currency deposits in Shanghai reached 24.08 trillion yuan at the end of October, with a year-on-year growth of 9.1% [3] - RMB deposits increased by 236.6 billion yuan, with household deposits decreasing by 115.8 billion yuan and non-financial corporate deposits decreasing by 19.2 billion yuan [3] - Foreign currency deposits increased by 1.2 billion USD, with a year-on-year increase of 3.9 billion USD [3] Group 4 - In October, RMB personal large-denomination certificates of deposit increased by 8.3 billion yuan, while non-financial corporate margin deposits increased by 50.7 billion yuan [4] - The increase in margin deposits for non-financial enterprises was accompanied by a decrease in current deposits and structured deposits [4] - The overall trend showed a significant increase in large-denomination and fixed-term deposits, while current and structured deposits saw declines [4]

Core Insights - The People's Bank of China (PBOC) and the State Administration of Foreign Exchange (SAFE) held a press conference focusing on the financial statistics of Beijing for Q3 2025, highlighting the implementation of policies and their effectiveness [1] Financial Statistics - In the first three quarters of 2025, the monetary credit in Beijing operated steadily, with various loans growing rapidly and an optimized credit structure, supporting high-quality economic development in the capital [1] - As of the end of September, the total RMB loans in Beijing reached 12.02 trillion yuan, a year-on-year increase of 7.6%, with a growth rate 0.3 percentage points higher than at the end of June [1] - Corporate loans increased by 8.6% year-on-year, maintaining rapid growth throughout the year, while household loans grew by 6.3%, with a steady increase in growth rate compared to June [1] Loan Increment Analysis - In terms of incremental loans, RMB loans increased by 489.6 billion yuan in the first three quarters, which is 178.9 billion yuan more than the same period last year [1] - Corporate loans accounted for 430.3 billion yuan of the total increase, representing 87.9% of the total loan increment, with a year-on-year increase of 279.1 billion yuan [1] - Household loans increased by 101.4 billion yuan, which is 68.6 billion yuan more than the previous year [1]

Group 1: Monetary and Credit Situation in Shanghai - As of the end of August, the total balance of RMB and foreign currency loans in Shanghai reached 12.8 trillion yuan, with a year-on-year growth of 7.1%, which is a decrease of 0.7 percentage points compared to the end of the previous month [1] - The balance of RMB loans was 12.22 trillion yuan, showing a year-on-year increase of 7.3%, down 0.8 percentage points from the previous month; foreign currency loans amounted to 81.5 billion USD, with a year-on-year growth of 3.5%, an increase of 1.9 percentage points from the previous month [1] - In August, RMB loans increased by 4.7 billion yuan, which is 83.9 billion yuan less than the same month last year; household sector loans increased by 17.5 billion yuan, while corporate loans decreased by 14.9 billion yuan [1] Group 2: Deposit Situation in Shanghai - The total balance of RMB and foreign currency deposits in Shanghai reached 23.47 trillion yuan at the end of August, with a year-on-year growth of 8.6%, which is an increase of 1.2 percentage points compared to the previous month [1] - The balance of RMB deposits was 22.2 trillion yuan, reflecting a year-on-year increase of 8.7%, up 1.4 percentage points from the previous month; foreign currency deposits totaled 178.8 billion USD, with a year-on-year growth of 7%, down 1.3 percentage points from the previous month [1] - In August, RMB deposits increased by 392.3 billion yuan, which is 296 billion yuan more than the same month last year; non-financial corporate deposits increased by 94.8 billion yuan, while fiscal deposits decreased by 44 billion yuan [2]