15 floor finance | central bank: the end of last year real estate development loan balance year-on-year growth of less than 1%

2022-07-02 0 By

On January 30, the central bank released a statistical report on financial institutions’ lending investment in 2021.The report shows that at the end of 2021, the outstanding loans of financial institutions in RMB were 192.69 trillion yuan, up 11.6% year on year, and the annual loan increased by 19.95 trillion yuan, an increase of 315 billion yuan year on year.The growth rate of real estate loans and household loans continued to fall. Among them, the outstanding loans for real estate development only increased by 0.9% year on year. The growth rate of personal housing loans was also 3.3 percentage points lower than that at the end of last year.At the end of 2021, the loan balance of domestic and foreign currency enterprises and institutions was 122.68 trillion yuan, up 11% year on year, 1.4 percentage points lower than the end of the previous year.This was an increase of 12.14 trillion yuan, 21.1 billion yuan less than the previous year.By term, the balance of short-term loans and bill financing was 44.13 trillion yuan, up 6.2% year on year, 2 percentage points lower than that at the end of the previous year.This was an increase of 2.57 trillion yuan, 575.4 billion yuan less than the previous year.The balance of medium – and long-term loans was 75.31 trillion yuan, up 14% year on year, 1.3 percentage points lower than that at the end of the previous year.It increased by 9.24 trillion yuan, 464.2 billion yuan more than the previous year.By use, the balance of fixed assets loans was 52.38 trillion yuan, up 10.1% year on year, 1.5 percentage points lower than that at the end of the previous year.Outstanding operating loans reached 49.78 trillion yuan, up 9.8% year on year, 3.1 percentage points lower than the end of the previous year.At the end of 2021, the balance of medium – and long-term industrial loans in domestic and foreign currencies was 13.49 trillion yuan, up 22.6% year on year, and the growth rate was 2.6 percentage points higher than the end of the previous year.This was an increase of 2.49 trillion yuan, or 650.3 billion yuan over the same period last year.Among them, the balance of medium and long-term loans to heavy industry was 11.6 trillion yuan, up 21.5% year on year, 3 percentage points higher than the end of the previous year;The balance of medium – and long-term loans to light industry was 1.89 trillion yuan, up 29.1% year on year, 1.6 percentage points lower than that at the end of last year.At the end of 2021, the balance of medium and long term loans in the domestic and foreign currency service industry was 50 trillion yuan, up 11% year on year, 3.3 percentage points lower than that at the end of the previous year.This was an increase of 4.93 trillion yuan, 684.9 billion yuan less than the previous year.The balance of medium – and long-term loans to the real estate sector fell by 0.5% year on year, 8.3 percentage points lower than at the end of last year.At the end of 2021, the balance of medium – and long-term loans to infrastructure in local and foreign currencies was 28.9 trillion yuan, up 15.3% year on year, 1.1 percentage points higher than that at the end of the previous year.It increased by 3.82 trillion yuan, or 734.6 billion yuan over the same period last year.At the end of 2021, the balance of loans in the field of inclusive finance was 26.52 trillion yuan, up 23.2% year on year, and the growth rate was 1 percentage point lower than that at the end of last year.The annual increase was 5.02 trillion yuan, 781.9 billion yuan more than the previous year.At the end of 2021, the balance of small and micro loans of Pratt & Whitney was 19.23 trillion yuan, up 27.3% year on year, and the growth rate was 3 percentage points lower than that at the end of the previous year.It increased by 4.13 trillion yuan for the year, 608.3 billion yuan more than the previous year.Outstanding production and business loans to rural households reached 6.84 trillion yuan, up 14.1% year on year.Outstanding loans guaranteed by business startups reached 234.9 billion yuan, up 6% year on year;Student loans totaled 146.8 billion yuan, up 12.3% year on year.At the end of 2021, outstanding loans to people living out of poverty reached 914.1 billion yuan, up 16 percent year on year, an increase of 126 billion yuan for the whole year.At the end of 2021, the balance of RMB real estate loans was 52.17 trillion yuan, up 7.9% year on year, 3.7 percentage points lower than the growth rate at the end of last year;It increased by 3.81 trillion yuan, accounting for 19.1 percent of the increase in all loans in the same period and 7.2 percentage points lower than the level of the whole of the previous year.At the end of 2021, the outstanding loans for real estate development were 12.01 trillion yuan, up 0.9% year on year, 5.2 percentage points lower than that at the end of the previous year.The balance of personal housing loans was 38.32 trillion yuan, up 11.3% year on year, 3.3 percentage points lower than the end of last year.At the end of 2021, the balance of household loans in domestic and foreign currencies was 71.11 trillion yuan, up 12.5% year on year, 1.7 percentage points lower than that at the end of the previous year.It increased by 7.92 trillion yuan, 59.2 billion yuan more than the previous year.At the end of 2021, the outstanding operating loans of households in domestic and foreign currencies were 16.22 trillion yuan, up 19.1% year on year, 0.9 percentage points lower than the end of the previous year.The annual increase was 2.6 trillion yuan, 335.3 billion yuan more than the previous year.The outstanding household consumer loans reached 54.89 trillion yuan, up 10.7% year on year, 2 percentage points lower than that at the end of last year.This was an increase of 5.32 trillion yuan, 276.1 billion yuan less than the previous year.Beijing Youth Daily reporter Cheng Jie editor/Fan Hongwei statement: Reprint this article is for the purpose of conveying more information.If the source is wrong or violated your legitimate rights and interests, please contact the author with proof of ownership, we will promptly correct, delete, thank you.Email address: newmedia@xxcb.cn