Credit increased by 489 billion yuan in Beijing in the first 10 months

In the first 10 months of this year, Beijing achieved a gross domestic product of 243.41 billion yuan, according to comparable, a year-on-year increase of 10%. Behind such encouraging data, the role of financial support for economic growth is clear.　　According to statistics, Beijing financial institutions in the first 10 months the increase in RMB credit increased 489.03 billion yuan, more than 298.42 billion yuan, a strong impetus to the smooth recovery of Beijing's economy. The direction of bank credit has followed the hot trend of economic growth sensitively, and the adjustment of credit structure has "refracted" the latest trend of the adjustment of Beijing's economic structure. According to the monthly analysis of the credit investment data of Beijing financial institutions in the first 10 months of this year, public administration and social organizations, real estate, manufacturing, electricity, gas and water production and supply, water conservancy and environment, and public facilities management industry in the five major sectors of the industry to be favored by the bank credit funds, the number of loans ranked alternately rising, It shows that the credit of Beijing financial institutions is aimed at the key sectors of economic growth and livelihood.　　The October data, for example, the new Chinese financial institutions in Beijing to add renminbi loans (excluding paper financing) for the above five categories of industries, the new loans are 6.17 billion yuan, 5.61 billion yuan, 3.35 billion, 3.16 billion yuan and 3 billion yuan. According to the central bank's report, the change of credit structure in Beijing is consistent with that of the whole country. The report from CICC said that Beijing's overall loan structure is more reasonable, the long-term trend of corporate lending is obvious, and the stock of short-term bills has fallen sharply.　　Experts believe that the company's long-term confidence in the economy is strengthening, will help more money into the real economy. At the same time, increased credit has supported household consumption. Still take October as an example, Beijing financial institutions personal consumption loans increased by 4.07 billion yuan in the month. Among them, Chinese financial institutions personal home purchase loans increased by 3.49 billion yuan, more than 5.61 billion yuan Year-on-year.　　New personal housing loans, new housing loans increased 1.09 billion yuan, more than 3.52 billion yuan, the second-hand house loans increased by 2.28 billion yuan, more than 1.84 billion yuan. With the economic stability, the residents will increase confidence in the future, consumer willingness to increase, investment will increase. People's Bank Department of Business Administration the third quarter survey of the residents ' savings in Beijing revealed that the residents ' income perception Index and the diffusion index of future income confidence increased by 5.2% and 6% respectively in the last quarter, preparing to buy, purchase,　　The proportion of households buying big-ticket consumer durables increased by 2.2, 1.4 and 2.3% respectively in the last quarter, with a sharp increase of 9.4% per cent in the number of residents who opted for "the best money to buy shares or funds". SMEs are the most active and employment-absorbing force in economic growth, and financing is an old problem. Now bank credit has also provided strong support for small and medium-sized enterprises, banks have set up a special credit sector, tailored to the development of innovative financial credit products for small and medium-sized enterprises. In January-October this year, Beijing Bank added small and medium-sized enterprises RMBLoans of 96.43 billion yuan, accounting for the same period of corporate yuan loans increased 40%. RB112 for High-tech Enterprises "ad hoc" loan variety has reached 107 kinds of 5 years in Beijing will be built independent innovation and Technology financial system Beijing has formed financial support technology enterprises to develop a new pattern. Under the policy support and guidance, the Bank of Beijing actively grasps the financing demand of the High-tech enterprises, continuously enlarges the strength of the financial innovation, and designs innovative products such as the platform of Beijing Hi-tech start-up center, the mortgage of intellectual property, the venture loan for overseas students, the software outsourcing loan and so on.　　According to incomplete statistics, the banks in the jurisdiction of the new High-tech enterprises to introduce credit innovation products have reached 107, scientific and technological financial innovation results. Recently, the PBC Business Management department and the Haidian District Government signed a cooperation agreement.　　Yang Guozhong, director of the Central bank's Department of Management, said that as of this October, the Beijing jurisdiction of the Chinese banks in the total support of nearly 6000 High-tech enterprises, the cumulative issuance of loans more than 300 billion yuan, High-tech industry loan balance of 80.97 billion yuan, a new 14.71 billion yuan than the beginning of the year. After the State Council approved the construction of Zhongguancun to build a center of scientific and technological innovation with global influence, how finance supports scientific and technological innovation has become the newest proposition of regulatory and policy-making departments.　　Both parties said it will be used for 3-5 years to construct the scientific and Technological financial Service system which takes the equity investment organization as the main body, the multi-level capital market system as the core, the credit system construction as the foundation, the comprehensive use of credit, insurance, trust, leasing, risk management and other financial instruments to promote independent innovation. The central bank's Department of Management said that the future will also be for science and technology SMEs and Science and technology finance development to create a good policy environment, will give enterprises four policy support. The first is the effect analysis of the fiscal discount policy, strengthen the investigation and research on the guarantee magnification of the policy credit guarantee institution and the credit rating of the guarantee institution; second, we should continue to do well the non-bank information collection work of the science and technology SMEs, and provide good credit service for science and technology loans. Third, promote the development of RMB exchange rate hedging products. To support the trade and investment activities of High-tech enterprises, promote trade and investment facilitation, and further improve the management of foreign exchange revenue and expenditure of science and technology SMEs; four, based on "credit policy guidance effect evaluation work", strengthens the external incentive mechanism construction of credit policy evaluation, The banks are encouraged to actively support the construction of the comprehensive reform Zone of the capital Science and technology finance.