Credit strengthens the real economy

Reporter Wang Yu correspondent Lura Xuan reported that Jinan News reporter November 12 from the Jinan branch learned that this January-October, the total amount of credit in the province increased by 1.2901 trillion yuan, more than 475.6 billion yuan, the new volume continues to maintain the highest level of the same period.　　Fortunately, the credit structure of our province in the October further showed positive changes, including industrial production, small and medium-sized enterprises, consumption and other real economic areas of the loan enhancement. Our provincial banking institutions actively open trust loans, bank acceptance, letters of credit, letter of guarantee, factoring and other forms of financing business, multi-channel for the financing of enterprises. As of the end of October, the province's RMB loan balance of 2.5543 trillion yuan, increased by 549.4 billion yuan earlier than the beginning of the year, more than 316.8 billion yuan. Financing of non-financial Enterprise debt financing instruments (short-term and medium-term instruments) continued to expand.　　1-October, the province's Non-financial enterprises through short-term financing vouchers and medium-term bills and other debt financing tools to raise 28.8 billion yuan, more than 11.5 billion yuan, the issuance of debts continue to occupy the forefront of the country. The credit structure is further optimized, and support for the real economy is enhanced, especially for the real economic sectors such as industrial production, small and medium-sized enterprises and consumption. First, the short-term loan increased by 4.3 billion yuan a month, to meet the small and medium-sized enterprises, self-employed and industrial liquidity needs. month of township enterprises, private and individual loans total increase of 3.4 billion yuan, more than 4.8 billion yuan, industrial loans increased by 2.3 billion yuan, changed the September net decline in the situation, supporting the enterprise liquidity needs. Long-term loans have increased significantly over the year. The month increased by 16.3 billion yuan, more than 13.2 billion yuan. Among them, the individual long-term consumer loans increased by 8.3 billion yuan, the year-on-year increase of 7.7 billion yuan, accounting for all the medium and long-term loan increase of 50.8%. The rapid growth of personal and long-term consumer loans is of great significance to increase residents ' housing consumption and promote economic stabilization and recovery. Foreign currency loans increased rapidly.　　Affected by the improvement of foreign trade situation, the appreciation of the renminbi and the low interest rate of foreign exchange loans, the demand for foreign exchange loans increased, the monthly foreign currency loans increased by 600 million U.S. dollars, and more than 700 million U.S. dollars, including import and export trade financing increased by 220 million yuan, more than 130 million yuan. A net decline in household savings deposits and a sharp increase in demand deposits. At the end of October, the province's RMB deposit balance amounted to 3.392 trillion yuan, an increase of 6999 yuan compared to the beginning of the year, more than 299.1 billion yuan, of which October yuan deposits increased by 15.2 billion yuan, a small increase of 1 billion yuan, the 4th consecutive month year-on-year decline. NET decline in household savings deposits. Due to the improvement of stock market, the increase of expected income of bank financial products and the rapid rise of house prices, the residents ' willingness to invest increased and the diversion of savings deposits increased. Corporate deposits have increased significantly over the year. October, the enterprise deposits increased by 26.1 billion yuan, more than 31.1 billion yuan Year-on-year, 6 consecutive months year-on-year increase. Among them, the enterprise demand deposit increased by 36.4 billion yuan, more than 31.3 billion yuan a year, the fixed deposit reduced by 10.3 billion yuan, more than 170 million yuan. The demand of enterprise deposits indicates that the business is becoming more and more active, and the fund environment continues to improve.