Credit investment significantly increases financial to help the economy -the credit article observed in the middle of the Chinese economy in 2022

Xinhua News Agency, Beijing, July 14th: Credit investment significantly increases financial support to stabilize the economy -the credit article observed in the middle of the year of China in the middle of the year of China

Xinhua News Agency reporters Wu Yu and Li Yanxia

Poster: In the first half of 2022, my country's RMB loan increased by 13.68 trillion yuan (Xinhua News Agency issued Liu Qian's preparation)

1368 trillion yuan -China's new RMB loan in the first half of this year, an increase of 919.2 billion yuan over the same period last year. The latest financial data shows that the steady increase in various loans in the first half of the year provided strong support for the real economy.

Finance is the blood of economic development. In the first half of the year, my country's total financial volume increased steadily, and the liquidity was reasonable and abundant. Credit funds were constantly flowing towards key areas and weak links of the national economy, helping to stabilize the macroeconomic market.

Enterprise and institutions account for more than 80 % of new loans

Where did the loan of 1368 trillion yuan invested? It is not difficult to see the data in the first half of the year, and it has taken advantage of the company. Data show that in the first half of the year, RMB loans of enterprises and institutions increased by 11.4 trillion yuan, an increase of 3.03 trillion yuan over the same period last year. Among the new loans in the first half of the year, enterprises and institutions accounted for more than 80 %.

In the workshop of Hubei Depu Electric Co., Ltd., the assembly line for the manufacturing battery testing equipment is busy.

"This year's new energy vehicle sales have steadily increased, the company's battery testing equipment is in short supply and orders have increased. However, under the epidemic, the cost of procurement of raw materials has increased significantly, and the pressure of mobile funds has increased sharply." Li Xuqin, deputy general manager of the company, told reporters that Fortunately, CITIC Bank The credit limit for 10 million yuan is provided in a timely manner to help the enterprise smoothly prepare for the supply of customers.

In the first half of the year, there were not a few small and micro enterprises that were sorrowful for mobile funds, and the support of financial institutions for physical enterprises was continuously strengthened.

"The continuous growth of loans of corporate departments is an important driving force for credit growth." Wen Bin, chief economist of Minsheng Bank, believes that since this year, finance has increased its support for industrial enterprises, especially small and micro enterprises affected by the epidemic, boosted to boosting Market subject confidence will help stabilize the macroeconomic market.

Data show that at the end of June, the balance of inclusive micro loans increased by 23.8%year -on -year, which was 12.6 percentage points higher than the growth rate of various loans.

In addition to lending, companies are looking forward to low cost.

Ruan Jianhong, director of the Department of Investigation of the People's Bank of China, introduced that in the first half of the year, the potential for the reform of the loan market quotation interest rate reform continued to be released, and the comprehensive financing cost of enterprises declined steadily. In June, the interest rate of new corporate loans was 4.16%, 34 basis points lower than the same period last year.

Guide credit investment in key areas of stable economy

Since the beginning of this year, financial institutions have used various monetary policy tools to increase loan investment, focus on key areas and weak links such as manufacturing, scientific and technological innovation, and green development to better meet the needs of real economy financing.

Zhejiang Central Control Technology Co., Ltd. has cultivated in the domestic industrial automation industry for many years. "Our industrial chain is distributed with many small and medium -sized enterprises upstream. The traditional settlement method occupies a large number of manpower and material resources, and requires more targeted financial products to optimize cash flow and stable supply chain." At the end of June, 24 suppliers had relying on the company's credit to obtain low -cost financing relying on the company's credit, and the total financing scale was about 50 million yuan.

According to relevant people from the Agricultural Bank of China, since the guidance of financial policy this year, the bank's manufacturing loan balance at the end of May reached 2.09 trillion yuan, of which the financing balance of key industrial chain exceeded 750 billion yuan.

At the end of June, the balance of medium- and long -term loans invested in the manufacturing industry increased by 29.7%year -on -year, which was 18.5 percentage points higher than the growth rate of various loans.

Since the beginning of this year, the People's Bank of China has created new tools such as scientific and technological innovation re -loan, inclusive pension special re -loan, and special re -loan of transportation and logistics. Supporting tools and support for coal cleaning and efficient use of special re -loans to land on the ground ...

Experts said that structural monetary policy tool boxes are continuously enriched and improved, and continuously motivated financial institutions to optimize the credit structure, guide funds to accurately incline in the fields of inclusive finance, green development, and scientific and technological innovation, which will help cultivate new growth points for the economy.

Credit support will remain stronger

With the general improvement of the domestic epidemic prevention and control situation, the State Council's measures to stabilize the economy have accelerated, and fiscal policies, monetary policies, and industrial policies have strengthened their implementation, and the national economy has resumed the momentum.

"Thanks to the CCB's renewal policy to help the company through difficulties. As the epidemic has eased, the company has fully resumed production. Our 3D printing materials are accelerating the circulation of downstream markets." Gu Wenliang, the person in charge of Guangzhou Feisheng Polymer Materials Co., Ltd. Essence Not long ago, he was still anxious about the affected operating stagnation of the enterprise's epidemic and the approaching expiration of 800,000 yuan.

Zou Lan, director of the Department of Monetary Policy of the People's Bank of China, believes that credit investment in the first half of the year has increased significantly, and corporate financing is generally better. Despite the impact of residential loans, the impact of the epidemic has increased less year -on -year, and it has also shown a recovery trend since June. In the future, with the overall control of the epidemic situation, the macro economy is expected to maintain a steady recovery, the asset and liabilities of enterprises and residents are expected to gradually improve and improve, and credit support will maintain strong efforts.

It is true that the adverse effects such as epidemic conditions have not been completely eliminated, and the financing problems of enterprises in some industry companies are still being cracked.However, a series of financial measures will increase confidence to market players one after another.In the second half of the year, the newly created three structural monetary policy tools ushered in the first application for issuance in July to further encourage financial institutions to support the real economy; policy development banks implemented the scale of 800 billion yuan in credit and set up 300 billion yuan in financeTools support infrastructure construction; the central bank has accelerated to pay profit to the central government, helping to stabilize the economic market, stabilize employment to protect people's livelihood ...

"In recent years, my country has been adhering to normal monetary policies, leaving sufficient policy space and tool reserves for new challenges and new changes in cope." Zou Lan said that in the second half of the year, the People's Bank of China will increase the stable monetary policy policy in the second half of the year. The implementation of implementation, accelerate the implementation of the determined policies and measures, create a good monetary and financial environment, form a policy joint force, and maintain economic operation in a reasonable range.

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