本报北京1月27日电（记者徐佩玉）27日，中国人民银行发布2025年四季度金融机构贷款投向统计报 告。2025年四季度末，获得贷款支持的科技型中小企业27.5万家，获贷率为50.2%，比上年末高2个百分 点。本外币科技型中小企业贷款余额3.63万亿元，同比增长19.8%，增速比各项贷款高13.6个百分点。 普惠小微贷款增长较快。2025年四季度末，人民币普惠小微贷款余额36.57万亿元，同比增长11.1%，全 年增加3.63万亿元；单户授信小于500万元的农户经营性贷款余额9.81万亿元，全年增加2414亿元。 [ 责编：刘晗旭 ] 报告显示，贷款支持科创企业力度较大。2025年四季度末，获得贷款支持的高新技术企业26.54万家， 获贷率为57.3%，比上年末高0.4个百分点。本外币高新技术企业贷款余额18.61万亿元，同比增长 7.5%，增速比各项贷款高1.3个百分点。 企事业单位贷款增速回升。2025年四季度末，本外币企事业单位贷款余额186.21万亿元，同比增长 8.9%，增速比上季度末高0.7个百分点，全年增加15.24万亿元。 ...

● 本报记者彭扬 1月27日，中国人民银行发布的2025年四季度金融机构贷款投向统计报告显示，2025年四季度末，获得 贷款支持的科技型中小企业27.5万家，获贷率为50.2%，比上年末高2个百分点。 企事业单位贷款增速回升。2025年四季度末，本外币企事业单位贷款余额186.21万亿元，同比增长 8.9%，增速比上季度末高0.7个百分点，全年增加15.24万亿元。 普惠小微贷款增长较快。2025年四季度末，人民币普惠小微贷款余额36.57万亿元，同比增长11.1%，增 速比各项贷款高4.7个百分点，全年增加3.63万亿元。 贷款支持科创企业力度较大。本外币科技型中小企业贷款余额3.63万亿元，同比增长19.8%，增速比各 项贷款高13.6个百分点。 2025年四季度末，获得贷款支持的高新技术企业26.54万家，获贷率为57.3%，比上年末高0.4个百分 点。本外币高新技术企业贷款余额18.61万亿元，同比增长7.5%，增速比各项贷款高1.3个百分点。 报告称，2025年四季度末，金融机构人民币各项贷款余额271.91万亿元，同比增长6.4%，全年人民币贷 款增加16.27万亿元。 ...

Core Insights - The People's Bank of China released the loan allocation statistics for financial institutions for Q3 2025, highlighting the support for technology-oriented SMEs and high-tech enterprises [1] Group 1: Technology-oriented SMEs - By the end of Q3 2025, 275,400 technology-oriented SMEs received loan support, with a loan acquisition rate of 50.3%, an increase of 2.8 percentage points compared to the same period last year [1] - The loan balance for technology-oriented SMEs in both domestic and foreign currencies reached 3.56 trillion yuan, representing a year-on-year growth of 22.3%, which is 15.8 percentage points higher than the growth rate of all loans [1] Group 2: High-tech Enterprises - By the end of Q3 2025, 266,600 high-tech enterprises received loan support, with a loan acquisition rate of 57.6%, an increase of 0.8 percentage points compared to the same period last year [1] - The loan balance for high-tech enterprises in both domestic and foreign currencies reached 18.84 trillion yuan, showing a year-on-year growth of 6.9%, which is 0.4 percentage points higher than the growth rate of all loans [1]

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 - As of the end of the first quarter of this year, the loan balance of the banking sector to high-tech enterprises reached 17.7 trillion yuan, representing a year-on-year growth of nearly 20% [1] Group 1 - The banking sector is increasingly supporting high-tech enterprises through significant loan growth [1] - The total loan balance indicates a strong commitment from banks to finance innovation and technology-driven companies [1] - The nearly 20% year-on-year increase reflects a positive trend in the financial support for the high-tech industry [1]