Central Bank: The overall growth rate of various loans of financial institutions at the end of the second quarter, and the growth rate of real estate and resident loans fell.

Text/Wang Yongfei

On July 29, the People's Bank of China issued the "Loan Investment in the Second quarter of 2022 to the Statistical Report". According to statistics, at the end of the second quarter of 2022, the balance of various loans of financial institutions was 20.635 trillion yuan, an increase of 11.2%year -on -year; RMB loans increased by 13.68 trillion yuan in the first half of the year, an increase of 919.2 billion yuan year -on -year.

According to statistics, the loans of enterprises and institutions have continued to grow, the growth rate of medium and long -term loans in the industry, the growth rate of medium- and long -term loans in the service industry and infrastructure industry has fallen, and green loans have maintained high -speed growth; agricultural loans -related loans have a steady growth rate and rising increases. Essence

It is worth noting that the growth rate of real estate loans has fallen. At the end of the second quarter of 2022, the balance of RMB real estate loans was 53.11 trillion yuan, an increase of 4.2%year -on -year, a 3.7 percentage point lower than the end of the previous year; The level of the year last year was 14.2 percentage points.

At the end of the second quarter of 2022, the balance of real estate development loans was 12.49 trillion yuan, a year -on -year decrease of 0.2%, and the growth rate was 1.1 percentage points lower than the end of the previous year. Among them, the balance of affordable housing development loans was 4.56 trillion yuan, a decrease of 1.9%year -on -year, and a decrease of 0.3 percentage points from the end of the previous quarter. The balance of personal housing loans was 3.886 trillion yuan, an increase of 6.2%year -on -year, and the growth rate was 5.1 percentage points lower than the end of the previous year. (Note: In order to eliminate the impact of the adjustment of the accounting subjects of commercial banks, the year -on -year growth rate of real estate -related loans has been comparable to the caliber)

In addition, the growth rate of household loans has fallen. At the end of the second quarter of 2022, the balance of loans from local foreign currency residents was 73.29 trillion yuan, an increase of 8.2%year -on -year, and the growth rate was 4.3 percentage points lower than the end of the previous year.

At the end of the second quarter of 2022, the balance of operating loans of domestic and foreign currency residents was 1.775 trillion yuan, an increase of 15.1%year -on -year, which was 4 percentage points lower than the end of the previous year. The balance of other consumer loans (excluding personal housing loans) of the residents was 1.6.68 trillion yuan, a year -on -year increase of 5.8%, and the growth rate was 3.7 percentage points lower than the end of the previous year.

Edit: Meng Junlian

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