Yesterday, the central bank released a quarter of 2012, loans

Yesterday, the central bank released a quarter of 2012, loans from financial institutions to invest in statistical reports show, the first quarter of this year, real estate loan growth has declined, year-on-year growth rate of real estate development loans by 6.1 percentage points lower than the previous year, individual purchase loan balance year on year growth of 3.5 percentage points lower than the previous year.

In addition, a quarter of the financial institutions and foreign currency business and other sectors of long-term loans increased by 628.2 billion yuan, up by 374.8 billion yuan or less, short-term loans and bill financing increased by 1.36 trillion yuan, an increase of 799.2 billion yuan.

Small micro-enterprise loan balance by 20.5% year-on-year

According to preliminary statistics of the People's Bank, the end of March 2012, financial institutions RMB loan balance of 57.25 trillion yuan, an increase of 15.7%. A quarter, an increase of 2.46 trillion yuan, an increase of 216.9 billion yuan. Among them, the Samsung Laptop Keyboard growth rate of corporate loans continue to rise, the increase in liquidity loans continued to increase of steady growth in small micro-enterprise loans.

The end of March, all financial institutions and foreign currency corporate and other sectors of the loan balance of 45.51 trillion yuan, up 14.8 percent than the previous year by 0.8 percentage points higher; a quarter of an increase of 2.05 trillion yuan, an increase of 444.7 billion yuan.

Point of view, from the period of a quarter of the financial institutions and foreign currency business and other sectors of long-term loans increased by 628.2 billion yuan, up by 3748 yuan or less. Short-term loans and bill financing increased by 1.36 trillion yuan, an increase of 799.2 billion yuan.

Small micro-enterprise loans totaled 10.38 trillion yuan, up 20.5 percent over the same period, the medium-sized loans, respectively, 8.6 and 6 percentage points, 5.3 percentage points higher than all corporate loans.

A Bank credit department told the "Daily Economic News" reporter, "small micro-enterprise loan balance growth, partly because the government requires, on the other hand, the banks also pay attention to, the establishment of specialized institutions, assessment mechanism has a tilt. "

Mortgage growth rate continued to drop

The central bank reported data show that in the first quarter of this year, year-on-year growth rate of real estate development loans and personal purchase loans has declined.

The end of March, real estate development loans of 771 billion yuan, down 8 percent drop was essentially flat with the previous Bluetooth Keyboard year. Real estate development loan balance of 2.83 trillion yuan, an increase of 11% growth rate by 6.1 percentage points lower than the previous year. Individual housing loan balance of 7.3 trillion yuan, an increase of 12.1 percent, 3.5 percentage points lower than the previous year.

The exception of affordable housing development loans have high growth, an increase of 63.7%. But the balance of only 430.6 billion yuan, an increase of 39.1 billion yuan, accounting for 47.1 percent of the increment over the same period real estate development loans than last year, the low level of 3 percentage points.

Overall, the end of March, the major financial institutions and the rural cooperative financial institutions, urban credit cooperatives, foreign banks RMB real estate loans of 11 trillion yuan, an increase of 10.1 percent, 3.8 percentage points lower than the previous year. A quarterly increase of 242.7 billion yuan, up by 281.2 billion yuan or less, a quarter increase, representing 10.2% of the increment of the loans over the same period than last year level by 7.3 percentage points lower.

The bankers said the "Daily Economic News" reporter, a regulation since 2010, making the needs of developers in reducing know not sell the room, do not try to steal the land, the king did not, demand for funds less another, builders, not a lot of projects, funding requirements also less from the bank funds to provide in terms of the real estate market is not good, certainly the banks to control the real estate policy, for fear of at risk. "

Slowdown of industrial term loans

Central Bank statistics show that the end of March, year on year growth of medium-and long-term loan balance of major financial institutions and foreign currency industry and service sector medium-and long-term loan balance has declined.

In late March, major financial institutions and foreign currency industry long-term loan balance of 6.26 trillion yuan, an increase of 7.3 percent, 2 percentage points lower than the previous year; a quarter an increase of 153.2 billion yuan, up by 69.7 billion yuan less. Among them, light industry, medium-and long-term loan balance of 634.2 billion yuan, the month-end balances increased by 6.4%, 4.7 percentage points higher than the previous year; heavy long-term loans amounted to 5.62 trillion yuan, an increase of 7.4 percent, 3.3 percentage points lower than the previous year.

The services long-term loans amounted to 15.2 trillion yuan, an increase of 7 percent, down two percentage points over the previous year. Among them, water, environment and public facilities management industry at the end of the balance, an increase of 1.5%, 1.2 percentage points lower than the previous year; balance of transportation, storage and postal industry grew 16.2 percent, down 2.1 percentage points over the previous year.

The bankers told the "Daily Economic News" reporter, "Two years ago most of the government financing platform loans are such long-term loans, in 2009 on a 4 trillion yuan in the project, the funds are continuous need to invest For example, a road 50 billion, not in 2009, all of a sudden 50 billion entirely up, generally three years, the law is the first year of 10% to 15% the second year, to mention part of the third year mentioned as part of three consecutive years in succession withdrawal last year, these projects are basically completed, the newly approved projects and reduce the long-term loans growth slowed.

Harbin Bank macro analyst Cui Xiaolong on the "Daily Economic News" reporter said, which likely is not optimistic about the economy, no way to future economic development to make up for the cost of capital, so the entire corporate entities are reluctant to borrow money the state to borrow money are willing to take short-term do not want to borrow long-term. The other commercial banks for a state of mind to complete the task, can lead to this result.

In addition, in the first quarter of this year, short-term loans and bill financing increased by 1.36 trillion yuan, an increase of 799.2 billion yuan.