The central bank: at the end of 2021, outstanding loans for real estate development increased by 0.9% year-on-year to 12.01 trillion yuan

2022-05-09 0 By

According to the Statistics of the People’s Bank of China, at the end of 2021, the balance of various RMB loans of financial institutions was 192.69 trillion yuan, up 11.6% year on year.RMB loans increased by 19.95 trillion yuan, 315 billion yuan more than 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 the previous 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 green loans in domestic and foreign currencies was 15.9 trillion yuan, up 33% year-on-year, 12.7 percentage points higher than that at the end of the previous year, 21.7 percentage points higher than the growth rate of all loans, an increase of 3.86 trillion yuan for the whole year.Among them, 7.3 trillion yuan and 3.36 trillion yuan were invested in projects with direct and indirect carbon emission reduction benefits, accounting for 67% of green loans.By use, loans for green infrastructure upgrading, clean energy and energy conservation and environmental protection were 7.4 trillion yuan, 4.21 trillion yuan and 1.94 trillion yuan respectively, up 28.3%, 31.7% and 46.7% year on year respectively.By sector, the balance of green loans for electricity, heat, gas and water production and supply reached 4.41 trillion yuan, up 25.7% year on year, an increase of 885 billion yuan.Outstanding green loans to the transportation, storage and postal sectors reached 4.13 trillion yuan, up 14.2 percent year on year, an increase of 485.7 billion yuan for the year.At the end of 2021, the balance of local and foreign agriculture-related loans reached 43.21 trillion yuan, up 10.9% year on year, 0.2 percentage points higher than that at the end of the previous year.This was an increase of 4.57 trillion yuan, 634.3 billion yuan more than the previous year.At the end of 2021, loans outstanding in rural areas (counties and below) reached 36.15 trillion yuan, up 12.1 percent year on year, 0.2 percentage points higher than at the end of the previous year.This was an increase of 4.15 trillion yuan, an increase of 60.7 billion yuan.The balance of loans to rural households was 13.47 trillion yuan, up 14% year on year, 0.2 percentage points lower than that at the end of the previous year.The figure was 1.68 trillion yuan, 170.4 billion yuan more than the previous year.Outstanding agricultural loans reached 4.57 trillion yuan, up 7.1% year on year, 0.4 percentage points lower than at the end of last year.An increase of 308.7 billion yuan, 20.8 billion yuan less than the same period last 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 the previous 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.Note:1. According to the Notice of the People’s Bank of China on Implementing Targeted RRR Reduction for Inclusive Finance (Silver Fa (2017) No. 222) and the Notice of the People’s Bank of China on Adjusting Relevant Assessment Criteria for Targeted RRR Reduction for Inclusive Finance (Silver Fa (2018) No. 351),Loans in the field of inclusive finance include loans for small and micro enterprises with a single credit of less than 10 million yuan, operational loans for individual businesses, operational loans for small and micro business owners, production and operation loans for farmers, consumer loans for registered poor people, guaranteed loans for entrepreneurship and educational loans.2, green loans refers to financial institutions to support the environment, climate change and resource saving and efficient utilization of economic activity, to enterprise legal person, the provisions of the state (matter) industry can be used as the other organizations or individuals of the borrowers, used to energy conservation and environmental protection, clean production, clean energy, green ecological environment, infrastructure upgrades and green services in areas such as loans.3. Since 2021, the statistical caliber of real estate loans will no longer include securitized real estate loans, and relevant increment and growth data have been processed in a comparable caliber.(Source: website of the People’s Bank of China)