## Statistical Report on Loan Investment of Financial Institutions in the Third Quarter of 2019

#### Source: PBC websitePublished time: 2019-10-28

款余额149.92 万亿元，同比增长12.5%，增速比上月末高0.1 个百分点；前三季度增加13.63 万亿元，同比多增4867 亿元。 According to the statistics of the People's Bank of China, at the end of the third quarter of 2019, the balance of various RMB loans of financial institutions was 149.92 trillion yuan, an increase of 12.5% year-on-year, and the growth rate was 0.1 percentage points higher than that at the end of the previous month . The first three quarters increased 13.63 trillion yuan, a year-on-year increase. 48867 billion yuan.

Loan investment has the following characteristics.

**I. Growth of loans to enterprises and institutions rebounded**

元，同比增长10.4%，增速比上月末高0.3 个百分点，比7 月末 高0.4 个百分点，增速连续2 个月回升；前三季度增加8.2 万亿 元，同比多增1.15 万亿元。 At the end of the third quarter of 2019, the balance of loans of domestic and foreign currency enterprises and institutions was 97.22 trillion yuan , an increase of 10.4% year-on-year, a growth rate of 0.3 percentage points higher than that at the end of last month and 0.4 percentage points higher than that at the end of July . The growth rate rebounded for two consecutive months; before The third quarter increased by 8.2 trillion yuan , an increase of 1.15 trillion yuan year-on-year.

长9.7%，增速比上月末高0.4 个百分点，比7 月末高0.4 个百 分点，前三季度增加3.19 万亿元，同比多增1.28 万亿元；中长 期贷款余额56.25 万亿元，同比增长10.9%，增速比上月末高0.2 个百分点，比7 月末高0.4 个百分点，前三季度增加4.83 万亿 元，同比少增261 亿元。 In terms of terms, the balance of short-term loans and bill financing was 38.35 trillion yuan, a year-on-year increase of 9.7%. The growth rate was 0.4 percentage points higher than the end of last month and 0.4 percentage points higher than the end of July . The increase in the first three quarters was 3.19 trillion yuan. The year-on-year increase was 1.28 trillion yuan; the balance of medium and long-term loans was 56.25 trillion yuan, an increase of 10.9% year-on-year, the growth rate was 0.2 percentage points higher than the end of last month , 0.4 percentage points higher than the end of July, and 4.83 trillion yuan in the first three quarters . A year-on-year decrease of 26.1 billion yuan.

10.6%，增速比上月末高0.1 个百分点；经营性贷款余额40 万亿 元，同比增长5.3%，增速比上月末高0.8 个百分点。 In terms of use, the balance of fixed asset loans was 41.97 trillion yuan, an increase of 10.6% year-on-year , and the growth rate was 0.1 percentage point higher than that at the end of last month. The operating loan balance was 40 trillion yuan , an increase of 5.3% year-on-year, and the growth rate was 0.8 percentage points higher than at the end of last month. percentage point.

**2. Medium and long-term loans for industrial and service industries maintained steady growth**

同比增长5.4%，增速比上季末高0.2 个百分点；前三季度增加 1 4552 亿元，同比少增1309 亿元。 At the end of the third quarter of 2019, the medium and long-term loan balance of the domestic and foreign currency industries was 9.04 trillion yuan, an increase of 5.4% year-on-year, and the growth rate was 0.2 percentage points higher than the end of the previous quarter. In the first three quarters, it increased by 14552 billion yuan, a year-on-year increase of 130.9 billion yuan. 7.96 万亿元，同比增长4.5%，增速比上季末低0.2 个百分点； 轻工业中长期贷款余额1.09 万亿元，同比增长12%，增速比上 季末高2.6 个百分点。 Among them, the medium- and long-term loan balance of heavy industry was 7.96 trillion yuan, an increase of 4.5% year-on-year, and the growth rate was 0.2 percentage points lower than the end of the previous quarter. The medium- and long-term loan balance of light industry was 1.09 trillion yuan, an increase of 12% year-on-year, and the growth rate was higher than the end of the previous quarter. 2.6 percentage points.

元，同比增长12%，增速比上季末低0.1 个百分点；前三季度增 加3.52 万亿元，同比少增915 亿元。 At the end of the third quarter of 2019, the medium and long-term loan balance of the domestic and foreign currency service industry was 38.47 trillion yuan , an increase of 12% year-on-year, and the growth rate was 0.1 percentage point lower than the end of the previous quarter; the first three quarters increased by 3.52 trillion yuan, a year-on-year increase of 91.5 billion yuan. yuan. 款余额同比增长13.4%；交通运输、仓储和邮政业中长期贷款余 额同比增长11.7%；水利、环境和公共设施管理业中长期贷款余 额同比增长8.5%。 Among them, the balance of medium and long-term loans in the real estate industry increased by 13.4% year-on-year; the balance of medium- and long-term loans in the transportation, warehousing and postal industries increased by 11.7% year-on-year;

**Third, the growth rate of inclusive small and micro loans continued to accelerate**

余额16.99 万 亿元，同比增长16.8%，增速比上季末高0.6 个百分点；前三季 度增加2.13 万亿元，同比多增7577 亿元。 At the end of the third quarter of 2019, the balance of RMB inclusive financing in the financial sector was 16.99 trillion yuan, an increase of 16.8% year-on-year, and the growth rate was 0.6 percentage points higher than the end of the previous quarter; the first three quarters increased by 2.13 trillion yuan, an increase of 757.7 billion yuan year-on-year.

增长23.3%，增速比上季末高0.8 个百分点，前三季度增加1.77 万亿元，同比多增8097 亿元；农户生产经营贷款余额5.38 万亿 元，同比增长5.4%；创业担保贷款余额1381 亿元，同比增长 32.7%；助学贷款余额915 亿元，同比增长13.3%。 At the end of the third quarter of 2019, the balance of inclusive small and micro loans was 11.27 trillion yuan, an increase of 23.3% year-on-year , and the growth rate was 0.8 percentage points higher than the end of the previous quarter. It increased by 1.77 trillion yuan in the first three quarters , an increase of 809.7 billion yuan year-on-year; The balance of production and operation loans was 5.38 trillion yuan , a year-on-year increase of 5.4%; the balance of business guarantee loans was 138.1 billion yuan, a year-on-year increase of 32.7%; the outstanding student loan balance was 91.5 billion yuan, a year-on-year increase of 13.3%.

At the end of the third quarter of 2019, the balance of loans for poor people who set up files and established cards was 254.2 billion yuan. 款余额7136 亿元。 Taking into account the policy of poverty alleviation, the balance of loans for the poor and the people who have been lifted out of the archives was 713.6 billion yuan.

**Fourth, green credit maintained rapid growth**

余额9.85 万亿元，余额 比年初增长11.2%，折合年增长率约为13.8%，余额占同期企事 业单位贷款的10.1%。 At the end of the third quarter of 2019, the balance of green loans in local and foreign currencies was 9.85 trillion yuan, an increase of 11.2% over the beginning of the year, equivalent to an annual growth rate of approximately 13.8%, and the balance accounted for 10.1% of loans to enterprises and institutions during the same period .

贷款余额分别为4.32 万亿元和2.42 万亿元，比年初分别增长 10.3%和7.9%。 In view of different purposes, the balance of loans for green transportation projects and renewable and clean energy projects was 4.32 trillion yuan and 2.42 trillion yuan, respectively, an increase of 10.3% and 7.9% over the beginning of the year . 额4.17 万亿元，比年初增长11.9%；电力、热力、燃气及水生 产和供应业绿色贷款余额2.98 万亿元，比年初增长6.8%。 By industry, the balance of green loans in the transportation, storage and postal industries was 4.17 trillion yuan, an increase of 11.9% over the beginning of the year; the balance of green loans in the power, heat, gas and water production and supply industries was 2.98 trillion yuan, an increase of 6.8% over the beginning of the year .

**V. Rural and agricultural loan growth picked up, and rural household loan growth slowed**

比增长7%，增速比上季末高0.5 个百分点；前三季度增加2.33 万亿元，同比多增2129 亿元。 At the end of the third quarter of 2019, the balance of domestic and foreign currency agriculture-related loans was 34.83 trillion yuan, an increase of 7% year-on-year , and the growth rate was 0.5 percentage points higher than the end of the previous quarter; the first three quarters increased by 2.33 trillion yuan, an increase of 212.9 billion yuan year-on-year.

元，同比增长7.6%，增速比上季末高0.2 个百分点，前三季度 增加2.02 万亿元，同比多增2217 亿元；农户贷款余额10.14 万 亿元，同比增长11.6%，增速比上季末低0.4 个百分点，前三季 度增加9823 亿元，同比少增30 亿元；农业贷款余额4.06 万亿 元，同比增长0.6%，增速比上季末高0.5 个百分点，前三季度 增加1569 亿元，同比少增195 亿元。 At the end of the third quarter of 2019, the balance of rural loans (counties and below) was 28.5 trillion yuan , an increase of 7.6% year-on-year, a growth rate of 0.2 percentage points higher than the end of the previous quarter. The increase in the first three quarters was 2.02 trillion yuan, an increase of 221.7 billion yuan year-on-year. The balance of rural household loans was 10.14 trillion yuan, a year-on-year increase of 11.6%, a growth rate of 0.4 percentage points lower than the end of the previous quarter. The increase in the first three quarters was 982.3 billion yuan, a year-on-year decrease of 3 billion yuan. The agricultural loan balance was 4.06 trillion yuan , a year-on-year increase. It increased by 0.6%, the growth rate was 0.5 percentage points higher than that at the end of the previous quarter, and increased by 156.9 billion yuan in the first three quarters , a year-on-year decrease of 19.5 billion yuan.

**6. The growth rate of real estate loans continued to decline steadily**

同比增长15.6%，增速比上月末低0.6 个百分点，连续14 个月 回落；前三季度增加4.59 万亿元，占同期人民币各项贷款增量 的33.7%，比上年全年水平低6.2 个百分点。 At the end of the third quarter of 2019, the balance of RMB real estate loans was 43.29 trillion yuan, an increase of 15.6% year-on-year, a growth rate of 0.6 percentage points lower than the end of the previous month, and fell for 14 consecutive months ; the first three quarters increased by 4.59 trillion yuan, accounting for RMB The loan increase was 33.7%, which was 6.2 percentage points lower than the level of the previous year.

比增长11.7%，增速比上月末低1.7 个百分点。 At the end of the third quarter of 2019, the balance of real estate development loans was 11.24 trillion yuan, an increase of 11.7% year-on-year , and the growth rate was 1.7 percentage points lower than the end of last month. 房开发贷款余额4.65 万亿元，同比增长9.4%，增速比上月末低 1.8 个百分点。 Among them, the balance of affordable housing development loans was 4.65 trillion yuan, an increase of 9.4% year-on-year, and the growth rate was 1.8 percentage points lower than the end of last month . 增速与上月末持平。 The balance of personal housing loans was 29.05 trillion yuan, an increase of 16.8% year-on-year, and the growth rate was the same as at the end of last month.

**7. Household business loans grew steadily**

比增长15.9%，增速比上季末低1.2 个百分点；前三季度增加5.68 万亿元，同比少增86 亿元。 At the end of the third quarter of 2019, the balance of domestic and foreign currency household loans was 53.58 trillion yuan, an increase of 15.9% year-on-year , and the growth rate was 1.2 percentage points lower than the end of the previous quarter. In the first three quarters, it increased by 5.68 trillion yuan, a year-on-year decrease of 8.6 billion yuan.

元，同比增长12.1%，增速比上季末低0.1 个百分点，前三季度 增加1.1万亿元，同比多增1199亿元；住户消费性贷款余额42.39 万亿元，同比增长17%，增速比上季末低1.4 个百分点，前三季 度增加4.58 万亿元，同比少增1285 亿元。 At the end of the third quarter of 2019, the operating loan balance of domestic and foreign currency households was 11.19 trillion yuan , an increase of 12.1% year-on-year, a growth rate of 0.1 percentage point lower than the end of the previous quarter , an increase of 1.1 trillion yuan in the first three quarters , and an increase of 119.9 billion yuan year-on-year; The balance of household consumer loans was 42.39 trillion yuan, an increase of 17% year-on-year, a growth rate of 1.4 percentage points lower than the end of the previous quarter , an increase of 4.58 trillion yuan in the first three quarters, and a decrease of 128.5 billion yuan year-on-year.

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