Group 1: Core Insights - In 2021, several banks reported record high credit growth, with Industrial and Commercial Bank of China (ICBC) adding 2.12 trillion yuan in domestic RMB loans, an increase of 243.3 billion yuan year-on-year [2] - For 2022, banks are targeting a loan growth rate of over 10%, focusing on sectors such as manufacturing, technological innovation, inclusive small and micro enterprises, and green industries [1][3] - The overall credit growth in early 2022 has been strong, supporting the real economy, with China Bank reporting a balance of 74.816 trillion yuan in domestic RMB broad corporate loans as of February 2022, an increase of 368.9 billion yuan from the beginning of the year [2] Group 2: Loan Structure and Focus Areas - Banks are emphasizing the optimization of loan structures while maintaining total loan growth, with a focus on supporting small and micro enterprises, technological innovation, and green development [3] - Agricultural Bank of China plans to support the construction of affordable rental housing and ordinary commodity housing for first-time buyers, while also managing risks in real estate lending [4][5] - Minsheng Bank aims to adhere to the principle of "housing is for living, not for speculation," focusing on stable project financing and enhancing efficiency in loan processing [5]