央行:5月末金融“五篇大文章”贷款余额同比增长14%|搡BBB搡BBBB搡BBBB
中新网7月14日电 国新办14日就2025年上半年货币信贷政策执行及金融统计数据情况举行新闻发布会。中国人民银行调查统计司司长闫先东在会上透露,5月末,金融“五篇大文章”贷款余额103.3万亿元,同比增长14%。
闫先东表示,今年以来,人民银行认真贯彻落实中央经济工作会议精神和《政府工作报告》部署,实施好适度宽松的货币政策,强化逆周期调节,运用多种货币政策工具组合,服务实体经济高质量发展。从效果上看,上半年信贷呈现“总量增长、结构优化”的特征。
闫先东指出,信贷总量保持平稳增长。6月末,金融机构人民币各项贷款余额为268.56万亿元,同比增长7.1%。上半年,人民币各项贷款新增12.92万亿元,显示金融体系对实体经济信贷支持保持较高水平。主要有以下特点:
分借款主体看,企(事)事业单位贷款是信贷增长的主体。上半年,企(事)事业单位贷款增加11.57万亿元,占全部新增贷款的89.5%,占比较上年同期提高了6.6个百分点,其中,中长期贷款增加7.17万亿元,是企(事)事业单位贷款增加的主要构成,表明金融持续为实体经济提供稳定的资金来源。住户贷款增加1.17万亿元,其中,经营性贷款增加9239亿元,体现了金融机构持续加强对个体工商户和小微企业主生产经营活动的支持力度。
从行业投向看,贷款行业结构持续优化。新增贷款主要投向制造业、基础设施业等重点领域。具体看:6月末,制造业中长期贷款余额同比增长8.7%,上半年增加9207亿元;基础设施业中长期贷款余额同比增长7.4%,上半年增加2.18万亿元。
此外,金融“五篇大文章”领域贷款呈现“总量增长、覆盖面扩大”的特点。5月末,金融“五篇大文章”贷款余额103.3万亿元,同比增长14%。科技贷款余额43.3万亿元,同比增长12%,其中,科技型企业贷款余额22.5万亿元,科技相关产业贷款余额32.8万亿元。科技贷款余额低于子项贷款余额之和是因为在汇总金融“五篇大文章”数据时剔除了子类间的重复,精准体现金融“五篇大文章”的工作成效。5月末,绿色、普惠、养老、数字贷款同比分别增长27.4%、11.2%、38%和9.5%。以上贷款增速均高于同期各项贷款增速。融资可得性明显提升。服务企业和个人共计7839万户,比上年同期增加588万户;其中,服务企业440万户,比上年同期增加25万户。
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