涉农贷款持续增长。截至三季度末，本外币涉农贷款余额53.4万亿元，同比增长6.8%，前三季度增加 3.28万亿元。农村贷款余额39.14万亿元，同比增长7%，前三季度增加2.33万亿元。农户贷款余额18.54 万亿元，同比增长2.7%，前三季度增加3450亿元。农业贷款余额6.96万亿元，同比增长8.3%，前三季度 增加5984亿元。 本报北京10月26日电 （记者吴秋余）中国人民银行发布数据显示：截至三季度末，金融机构人民币各 项贷款余额270.39万亿元，同比增长6.6%，前三季度人民币贷款增加14.75万亿元，普惠小微、涉农、 科创等重点领域贷款支持力度较大。 普惠小微贷款增长较快。截至三季度末，人民币普惠小微贷款余额36.09万亿元，同比增长12.2%，增速 比各项贷款高5.6个百分点，前三季度增加3.15万亿元。单户授信小于500万元的农户经营性贷款余额 9.92万亿元，前三季度增加3465亿元。助学贷款余额2944亿元，同比增长41.1%。 绿色贷款快速增长。截至三季度末，本外币绿色贷款余额43.51万亿元，比年初增长17.5%，前三季度增 加6.47万亿元。 贷款支持科创企业力度较大。截至三季度 ...

报告还提到，贷款支持科创企业力度较大。三季度末，获得贷款支持的科技型中小企业27.54万家，获 贷率为50.3%，比去年同期高2.8个百分点。本外币科技型中小企业贷款余额3.56万亿元，同比增长 22.3%，增速比各项贷款高15.8个百分点。 此外，三季度末，企事业单位贷款增长较为平稳、普惠小微贷款增长较快、绿色贷款快速增长、涉农贷 款持续增长、房地产贷款增速基本平稳、住户消费贷款保持增长。(完) （文章来源：中国新闻网） 中新社北京10月24日电 (记者夏宾)中国央行24日发布2025年三季度金融机构贷款投向统计报告显示，三 季度末，金融机构人民币各项贷款余额270.39万亿元(人民币，下同)，同比增长6.6%，前三季度人民币 贷款增加14.75万亿元。其中，工业中长期贷款保持较快增长。 报告称，三季度末，本外币工业中长期贷款余额26.59万亿元，同比增长9.7%，增速比各项贷款高3.2个 百分点，前三季度增加2.06万亿元。其中，重工业中长期贷款余额22.6万亿元，同比增长9.3%；轻工业 中长期贷款余额3.99万亿元，同比增长12.3%。 三季度末，本外币服务业中长期贷款余额72.36万亿元，同比增长6 ...

今年是"十四五"规划的收官之年。近日，中国人民银行行长潘功胜在介绍"十四五"时期金融业发展时表 示，我国在普惠金融、数字金融等方面走在世界前列。普惠金融是服务实体经济的重要力量，尤其在数 字化浪潮推动下，普惠信贷加速下沉服务，有效赋能小微企业、个体工商户、农户及新型农业经营主体 等群体为主的长尾市场，打通金融服务的"最后一公里"。 小微贷款增量 "十四五"以来，金融监管部门着力优化普惠资金供给，金融服务实体经济的效能显著增强。 普惠金融是中央金融工作会议提出的金融五篇大文章之一。5年来，银行业保险业通过信贷、债券、股 权等多种方式，为实体经济提供新增资金170万亿元。重点领域投放精准有力。数据显示，普惠型小微 企业贷款余额36万亿元，是"十三五"末的2.3倍，利率下降2个百分点。"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%。 "'十四五'以来，我国普惠小微贷款增量可观，主要基于以下有利因素。中国银行深圳市分行大湾区金 融研究院高级研究员曾圣钧表示，一是政策引导支持力度大，"十四五"期间，我国针对普惠小微企业出 台了多项政策举措，适时增加支农支小再贷款额度等，这些政策引导金融机构不 ...

Core Viewpoint - The recent press conference highlighted the stability of China's financial policies, with no immediate adjustments to the Loan Prime Rate (LPR), while the A-share market showed positive performance, indicating a complex interplay between policy and market sentiment [2][3][4]. Group 1: Market Performance - On September 22, the A-share market experienced a rally, with all three major indices closing in the green despite the unchanged LPR [4]. - The total market capitalization of A-shares increased from 68 trillion yuan to 104 trillion yuan, adding 36 trillion yuan, with over 3,000 stocks rising more than 50% [7]. - The market is undergoing a structural revaluation, with growth stocks benefiting from earnings realization and dividend-paying blue-chip stocks establishing a solid base [12]. Group 2: Economic Indicators - In August, the Consumer Price Index (CPI) fell by 0.4% year-on-year, while the Purchasing Managers' Index (PMI) stood at 49.4%, indicating a slight contraction in manufacturing [6]. - The total retail sales of consumer goods reached 3.97 trillion yuan, growing by 3.4% year-on-year, which is 1.3 percentage points higher than the same period last year [6]. Group 3: Financial Policy and Structure - The LPR remained unchanged at 3.0% for one year and 3.5% for five years, reflecting a stable monetary policy environment [6]. - The financial system's total assets are nearing 470 trillion yuan, with the stock and bond markets ranking second globally, indicating significant global influence [10]. - Direct financing's share has increased to 31.6%, up 2.8 percentage points from the end of the previous five-year plan, showing a shift towards capital markets for resource allocation [10]. Group 4: Risk Management and Regulatory Environment - The number of local government financing platforms has decreased by over 60%, and financial debt has been reduced by more than 50%, indicating a controlled approach to systemic risks [11][14]. - The regulatory framework is evolving, with measures in place to support small and micro enterprises, as well as a focus on improving market rules and enhancing operational order [11]. Group 5: Future Outlook - The market is expected to focus on "deterministic" logic post-September 22, with sustainable profitability in key sectors like technology and green finance [16]. - The proportion of medium- and long-term funds is increasing, which may reduce short-term speculative trading and extend holding periods [17]. - Identifiable risks in local debt, real estate, and small banks are being addressed, leading to a decrease in systemic risk premiums [18].

Group 1 - The core theme of the press conference was to highlight the achievements of the financial sector during the "14th Five-Year Plan" period, emphasizing long-term perspectives rather than short-term policy adjustments [1] - As of June 2023, China's banking sector total assets reached nearly 470 trillion yuan, ranking first globally, while the stock and bond markets ranked second in the world [1] - China has maintained its position as the world's largest holder of foreign exchange reserves for 20 consecutive years, and has made significant advancements in green finance, inclusive finance, and digital finance [1][2] Group 2 - The modern monetary policy framework in China is gradually taking shape, with effective policy transmission supporting the real economy [2] - The average annual growth rate of loans to technology-based SMEs, inclusive micro-enterprises, and green loans exceeded 20% during the "14th Five-Year Plan" period [2] - The People's Bank of China has implemented a series of monetary policies since September 2024 to stabilize market expectations and boost confidence, contributing to economic recovery and high-quality development [2] Group 3 - Significant progress has been made in preventing and mitigating financial risks, with a focus on orderly handling of prominent risk points in the financial sector [3] - The financial system in China is overall stable, with financial institutions remaining healthy and the market operating smoothly [3] - The "14th Five-Year Plan" period saw five key advancements in financial sector openness, including deepening institutional openness and enhancing the international status of the renminbi [3] Group 4 - By the end of July 2023, foreign institutions and individuals held over 10 trillion yuan in domestic stocks, bonds, and deposits, with stock holdings exceeding 3 trillion yuan and bond holdings around 4 trillion yuan [4] Group 5 - The People's Bank of China is focused on improving the central bank system and enhancing financial security under open conditions, aiming to support high-quality economic development [5] - The central bank is working on a dual-pillar framework for monetary policy and macro-prudential policy to achieve currency stability and financial stability [5][6] Group 6 - The financial market infrastructure is being strengthened, with the introduction of a "technology board" in the bond market and a multi-layered bond market framework being established [6] - The central bank is committed to deepening high-level financial openness and promoting the internationalization of the renminbi [6] Group 7 - The balance between short-term and long-term goals, as well as the health of the financial system and support for the real economy, is crucial for maintaining financial stability [7] - The importance of market discipline and the need for a robust risk management framework are emphasized to prevent moral hazards [8] Group 8 - The regulatory authority has prioritized the prevention and resolution of financial risks, with significant achievements in managing risks associated with small and medium-sized financial institutions [9] - The number of high-risk institutions and the scale of high-risk assets have significantly decreased, indicating that financial risks are controllable [9]

Group 1 - The People's Bank of China reported that multiple financial indicators rank among the top globally, with total banking assets nearing 470 trillion yuan, the largest in the world [2][3] - The banking and insurance sectors provided an additional 170 trillion yuan in funding to the real economy during the "14th Five-Year Plan" period [2][3] - The average annual growth rates for loans to technology-based SMEs, inclusive small micro loans, and green loans exceeded 20% [2][3] Group 2 - Loans for scientific research technology, medium to long-term loans for manufacturing, and infrastructure loans grew at average rates of 27.2%, 21.7%, and 10.1% respectively [3] - Insurance funds invested over 5.4 trillion yuan in stocks and equity funds, representing an 85% increase from the end of the "13th Five-Year Plan" [3] - The real estate financing coordination mechanism's "white list" project loans exceeded 7 trillion yuan, supporting the construction and delivery of nearly 20 million housing units [3] Group 3 - The foreign exchange market has shown stability, with the holdings of foreign institutions and individuals in domestic stocks, bonds, and deposits exceeding 10 trillion yuan [3] - The proportion of the renminbi in cross-border trade increased from 16% to nearly 30%, indicating enhanced resilience in the foreign exchange market [3] - The market-oriented formation mechanism of the renminbi exchange rate is continuously improving, with more effective macro-prudential management in the foreign exchange market [3]

Group 1 - The core viewpoint of the articles highlights the significant achievements of China's financial sector during the "14th Five-Year Plan" period, emphasizing the deepening of financial reforms and the enhancement of financial services to the real economy [1][3][5] - As of June 2023, China's banking sector total assets reached nearly 470 trillion yuan, ranking first in the world, with stock and bond market sizes also ranking second globally [1] - The People's Bank of China (PBOC) has adopted a supportive monetary policy stance, focusing on maintaining internal and external balance while promoting economic recovery and financial market stability [7][8] Group 2 - Financial system reforms have been further deepened, with the establishment of new regulatory bodies such as the Central Financial Committee, enhancing governance efficiency [3] - The quality of financial services to the real economy has significantly improved, with annual growth rates exceeding 20% for loans to technology-based SMEs, inclusive micro-enterprises, and green loans during the "14th Five-Year Plan" [3][5] - The number of high-risk small and medium-sized banks has been significantly reduced, with a decrease of over 60% in financing platform numbers and over 50% in financial debt scale as of June 2023 [5][4] Group 3 - The internationalization of the Renminbi has progressed, with the currency becoming the largest settlement currency for China's external payments and ranking third in the IMF's Special Drawing Rights basket [6] - Financial market openness has been steadily deepened, with foreign institutions holding over 10 trillion yuan in domestic stocks and bonds by the end of July 2023 [6] - The PBOC is committed to maintaining a stable macroeconomic environment and will utilize various monetary policy tools to ensure ample liquidity and support effective investment [8]

Core Viewpoint - The article discusses the achievements and developments in China's financial sector during the "14th Five-Year Plan" period, highlighting the stability and growth of the financial system, as well as the advancements in various financial services and regulatory measures. Financial Sector Achievements - As of June 2023, China's banking sector total assets reached nearly 470 trillion yuan, ranking first globally, with stock and bond market sizes ranking second [4] - The average annual growth rate for loans to technology-based SMEs, inclusive microloans, and green loans exceeded 20% during the "14th Five-Year Plan" [4] - The participation and influence of China in international financial governance have significantly increased [4] Regulatory Developments - The financial regulatory authority has intensified efforts to combat financial corruption, with 20,000 institutions penalized and 36,000 individuals held accountable since the beginning of the "14th Five-Year Plan" [8] - The number of high-risk institutions and assets has been significantly reduced, ensuring that risks are manageable [10] - The financial regulatory authority has published 171 regulations over the past five years, enhancing the regulatory framework [10] Capital Market Reforms - The capital market's basic systems and regulatory logic have been comprehensively restructured, with the market's technology sector now accounting for over 25% of the A-share market capitalization [11] - The total market capitalization of the A-share market surpassed 100 trillion yuan for the first time in August 2023 [12] - The introduction of a registration-based IPO system has been fully implemented, with 230 major asset restructuring cases disclosed since the "Merger Six Guidelines" were released [12] Cross-Border Financial Activities - As of July 2023, foreign institutions and individuals held over 10 trillion yuan in domestic stocks, bonds, and deposits [15] - The scale of cross-border receipts and payments is projected to reach 14 trillion dollars in 2024, reflecting a 64% increase compared to 2020 [15] - The use of the renminbi in cross-border trade has risen to nearly 30%, indicating enhanced resilience in the foreign exchange market [15]

Core Viewpoint - During the "14th Five-Year Plan" period, China's financial services have significantly improved in quality and efficiency, effectively supporting the economy's recovery and high-quality development [3]. Financial Support to the Real Economy - Over the past five years, the banking and insurance sectors have provided an additional 170 trillion yuan to the real economy through various means such as credit, bonds, and equity [3]. - The total financing from the exchange market for stocks and bonds reached 57.5 trillion yuan, with the proportion of direct financing increasing by 2.8 percentage points to 31.6% compared to the end of the "13th Five-Year Plan" [3]. Monetary Policy and Economic Goals - The People's Bank of China has maintained a supportive monetary policy stance, contributing to the successful achievement of the main goals of economic and social development during the "14th Five-Year Plan" [4]. Financial Regulation and Support for Key Sectors - The Financial Regulatory Administration has focused on increasing supply, optimizing structure, and addressing weaknesses, supporting the completion of economic and social development goals [5]. - Loans to technology-based small and medium-sized enterprises, inclusive small and micro loans, and green loans have all seen annual growth rates exceeding 20% [5]. - Research and technology loans, medium to long-term loans for manufacturing, and infrastructure loans have experienced average annual growth rates of 27.2%, 21.7%, and 10.1%, respectively [5]. Capital Market Developments - More than 90% of newly listed companies in recent years are technology enterprises or have high technological content [5]. - The market capitalization of the technology sector in A-shares now accounts for over one-fourth of the total market, with the number of technology companies in the top 50 by market capitalization increasing from 18 at the end of the "13th Five-Year Plan" to 24 currently [5]. Foreign Exchange and High-Quality Development - The State Administration of Foreign Exchange has advanced deep reforms and high-level opening in the foreign exchange sector, enhancing the efficiency of trade foreign exchange receipts and payments, as well as the convenience of cross-border investment and financing [5].

一图速览。 9.22 | 发布会纪要 国新办"十四五"时期 (1G 金融业发展成就发布会 中国的货币政策 坚持以我为主 兼顾内外均衡 潘功胜 中国人民银行行长 ファ - - - - - 。目肌我国金融体系思体 目前我国金融体系总体稳健, 市场运行平稳。 。6月末中国银行业总资产 截至今年6月末，中国银行业 居世界第一; 股票、债券市场 储备规模连续20年位居世界2 。科技型中小企业贷款年 科技型中小企业贷款、普惠小 过20%。 ◦ 币值稳定和金融稳定双 聚焦健全货币政策和宏观审慎 现币值稳定和金融稳定双目 度，为金融强国建设、经济高 。地方政府融资平台风险 截至今年6月末，与2023年 降超过60%，金融债务规模 方政府融资平台风险水平大幅 。多项房贷政策帮助家庭 优化调整首付比、房贷利率等 贷利率，每年可为超过500( 3000亿元。 ○ 高风险中小银行数量较 央行会同金融监管部门和地 复、兼并重组和市场退出等 行数量较峰值明显压降。 77 17 =1 /1 r ○ 保持人民币汇率的基本 坚持市场在汇率形成之中的凉 部环境, 保持了人民币汇率的 展，中国的外汇市场参与主亿 的使用也更加广泛，市场更厚 。中国 ...