8月29日，国有六大行2025年半年报披露完毕。梳理半年报数据可以看到，上半年，工行、农行、中 行、建行、交行和邮储银行（601658）经营效益总体稳健，资产质量持续改善。 农业银行（601288）在科技金融领域的信贷支持表现也比较突出。截至6月末，农行科技贷款余额达4.7 万亿元，上半年新增超过8000亿元，增速超20%，在可比同业中位居前列。 市场普遍关注，上半年六大行信贷主要投向了哪些领域？ 半年报数据显示，六大行信贷资源紧密围绕金融"五篇大文章"配置，其中与新质生产力相关的科技领域 成为重点支持方向，投放力度显著提升。 科技金融表现突出 "今年上半年，建设银行（601939）积极支持经济转型升级，实现了贷款平稳增长、均衡投放。"建行行 长张毅在发布会上介绍，上半年建行贷款增长1.6万亿元，有效保持了对实体经济的支持力度。其中， 境内对公贷款新增1.24万亿元，增长较快。 建行在科技金融方面表现突出。截至6月末，建行科技贷款余额达5.15万亿元，较上年末增长16.81%。 上半年，建行新增科技贷款7417亿元，科技贷款余额占全部贷款的比重在18%以上，服务科技型企业超 30万家。 从信贷投放来看，上半年 ...

信贷结构持续优化。民营企业贷款余额6.59万亿元，较上年末增加5,943.89亿元，增幅9.92%。积极响应 国家战略，制造业贷款余额3.56万亿元，较上年末增加5,266.56亿元，增幅17.35%，其中制造业中长期 贷款1.79万亿元，增幅10.25%。战略性新兴产业贷款余额3.39万亿元，较上年末增加5,394.47亿元，增 幅18.92%。 房地产金融业务稳健运行，境内房地产行业贷款余额9,273.51亿元，较上年末增长2.09%。创新服务模 式成效显著，上半年数字供应链累计为5,394个核心企业产业链的13.22万家链属企业提供6,884.32亿元融 资支持。同时，为证券交易所上市企业及其主要股东提供股票回购增持贷款等综合金融服务，截至6月 末已投放相关贷款超120亿元。 经济观察网 8月29日，中国建设银行（601939）发布2025年中期报告，公司金融业务保持稳健发展态 势。截至2025年6月末，建设银行公司类客户达1,226万户，较上年末增加58.85万户；单位人民币结算账 户总量1,723万户，较上年末增加93.81万户，客户基础持续夯实。 资产负债规模稳步增长。截至6月末，建设银行境内公司 ...

8月27日晚间，江苏张家港农村商业银行股份有限公司（股票简称：张家港行（002839），股票代码： 002839）正式发布2025年半年度报告。报告显示，今年1至6月，公司实现营业收入26.05亿元，同比增 长1.72%；实现归属于上市公司股东的净利润9.95亿元，同比增长5.11%，盈利基础进一步夯实。 截至2025年6月末，张家港行总资产规模达2237.85亿元，较年初增长2.23%；各项存款余额1759.31亿 元，增长5.58%；各项贷款余额1461.22亿元，增长6.41%。存贷款增量在全省60家农商行中名列前茅， 规模稳步扩张的同时，结构持续优化。 资产质量稳健，风险抵御能力增强 在复杂的经济环境下，张家港行始终保持审慎经营理念，资产质量保持稳定。截至6月末，不良贷款率 为0.94%，与年初持平；拨备覆盖率达383.98%，较年初提升7.95个百分点，风险抵补能力进一步增强。 贷款结构方面，个人贷款占比30%，公司贷款占比70%，其中制造业、批发零售业、租赁和商务服务业 位居前三，信贷投放与实体经济结构高度契合，资产质量整体可控。 2025年以来，张家港行持续推进金融科技建设，依托新核心系统、新信 ...

Group 1 - The core viewpoint is that under the national policy support for the private economy, Industrial Bank Jinan Branch is leveraging financial innovation to enhance support for high-quality development of private enterprises, achieving a significant increase in private loan balances [1] - As of the end of 2024, the total private loan balance in Rizhao City reached 3.769 billion, with a year-to-date increase of 1.592 billion, representing a growth rate of 73.07%, demonstrating strong financial momentum to accelerate the development of private enterprises [1] - The bank has established a long-term service mechanism for private enterprises by setting annual service goals and encouraging increased financial support, gradually enhancing the proportion of loans to private enterprises [1] Group 2 - The service capability has improved, transitioning from financing support to comprehensive financial empowerment, with the establishment of an efficient due diligence exemption mechanism and a green approval channel for credit [2] - The bank conducts its credit business for private enterprises fairly and effectively, enhancing the confidence of private enterprises to borrow through high-quality financial services [2] - In the next phase, the bank will continue to prioritize support for the private economy as a major task and opportunity, aiming to align financial capabilities with the needs of enterprises through warm, strong, and precise financial services [2]

Group 1 - The average annual growth rate of loans to private enterprises has been 1.1 percentage points higher than the average growth rate of all loans over the past five years [1] - As of the end of Q1 2025, the loan balance for private enterprises reached 76.07 trillion yuan, with a year-on-year growth of 7.41%. The balance of inclusive loans for small and micro enterprises was 35.3 trillion yuan, growing by 12.5% year-on-year [1] - A coordination mechanism for financing small and micro enterprises has been established, resulting in the issuance of 12.6 trillion yuan in new loans at an average interest rate of 3.66% [1] Group 2 - The balance of credit loans for private enterprises reached 18.1 trillion yuan, with a year-on-year increase of 15.4% [1] - A government financing guarantee system has been established, with a financing guarantee balance of 1.88 trillion yuan for small and micro enterprises, reflecting an 11.5% year-on-year growth [1] - In the foreign trade sector, a special focus has been placed on financing for small and micro enterprises, with over 240 billion USD in short-term export credit insurance coverage in Q1 [2]

Group 1 - The core viewpoint highlights that Anhui's financial performance has shown significant improvement in the first quarter, with a notable increase in both loan balances and capital market activities [1][2] - As of the end of March, the total RMB loan balance in Anhui reached 9.08 trillion yuan, marking a historic milestone and ranking 10th nationwide, with a loan growth rate of 10.3%, surpassing the national average by 2.9 percentage points [1] - The province saw the addition of 4 new domestic listed companies in the first quarter, ranking 3rd in the country, and achieved direct financing of 180.48 billion yuan, with a growth rate of 25.6%, the highest for the same period historically [1] Group 2 - Anhui has been focusing on enhancing financial services in key areas, including technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - In technology finance, Anhui established 14 headquarters-level innovation financial service centers and 72 specialized institutions, with new technology loans exceeding 100 billion yuan in the first quarter, reaching a balance of 867.9 billion yuan and a growth rate of 28% [2] - The province's inclusive finance initiatives have supported small and micro enterprises, with a total of 4.402 billion yuan in loans issued and a balance of 1.46 trillion yuan, reflecting a year-on-year growth of 15.68% [2]

为确保融资环境，安徽将开展普惠型小微企业贷款透明化工作，推动银行全面告知经营主体贷款利息支 出、非利息支出，引导综合融资成本稳中有降；整治普惠信贷领域不法中介乱象；印发普惠信贷尽职免 责正负面清单，细化执行标准，推动"应免尽免"，激发基层信贷人员敢贷、愿贷、能贷、会贷积极性。 (完) 中新网合肥4月29日电(记者张强)记者29日从安徽省政府新闻办举行的新闻发布会上获悉，截至2025年3 月末，安徽省小微企业贷款余额3.85万亿元，占全部贷款比重超四成；民营企业贷款余额2.47万亿元， 同比增长12.3%，新发放民营企业贷款占新发放企业类贷款比重达六成。 国家金融监督管理总局安徽监管局一级巡视员施其武说，安徽将出台普惠金融24条工作举措，单列民营 和小微企业目标任务，保持对民营和小微企业稳定有效的增量信贷供给，确保民营企业贷款增速、普惠 型小微企业贷款增速持续高于各项贷款增速；有力有序实施无还本续贷政策，做实贷款到期前1个月主 动沟通机制，推动无还本续贷增速持续高于各项贷款增速。 同时，做实小微企业金融服务专员制度，对小微企业进行全覆盖式融资需求摸排，督促银行对推荐清单 内企业做到"3日内对接、1周内尽职调查、 ...

Group 1: Financial Performance - In Q1 2025, six major state-owned banks achieved a total net profit attributable to shareholders of 344.42 billion yuan, averaging approximately 3.83 billion yuan per day [1] - Agricultural Bank and Bank of Communications reported year-on-year growth in net profit, with increases of 2.20% and 1.54% respectively [1] - The revenue figures for the six banks were as follows: Industrial Bank (212.77 billion yuan), Agricultural Bank (186.67 billion yuan), China Construction Bank (190.07 billion yuan), Bank of China (164.93 billion yuan), Postal Savings Bank (89.36 billion yuan), and Bank of Communications (66.37 billion yuan) [1] Group 2: Asset Scale and Quality - By the end of Q1, the total asset scale of the six banks showed steady growth, with Industrial Bank leading at 51.55 trillion yuan, a 5.58% increase from the previous year [2] - Agricultural Bank followed with assets of 44.82 trillion yuan, up 3.66%, while China Construction Bank reached 42.79 trillion yuan, growing by 5.48% [2] - The non-performing loan ratios for the banks remained stable, with Industrial Bank and Agricultural Bank both at 1.33%, and Postal Savings Bank at 0.91% [2] Group 3: Support for the Real Economy - The six banks continued to support the real economy, with Industrial Bank's loans to strategic emerging industries reaching 3.5 trillion yuan, and manufacturing loans at 4.8 trillion yuan [3] - Agricultural Bank's loans to strategic emerging industries totaled 3.2 trillion yuan, with a growth rate of 24.1% [3] - Postal Savings Bank served nearly 100,000 technology-based enterprises, with financing exceeding 600 billion yuan [3] Group 4: Green and Inclusive Finance - Agricultural Bank's green loan balance reached 5.59 trillion yuan, with a growth rate of 12.06% [3] - Postal Savings Bank's green loan balance was 910.71 billion yuan, growing by 6.01% [3] - Agricultural Bank's loans to private enterprises amounted to 7.22 trillion yuan, with a growth rate of 10.51% [3] Group 5: Digital Finance - By the end of Q1, Industrial Bank's loans to the core digital economy industries exceeded 960 billion yuan, reflecting a growth of 10.9% [4] - Bank of Communications reported loans to the digital economy core industries at 307.68 billion yuan [4]