Shanghai's first half of the industry and other four types of loans increase accounted for 80%

Who made the June day credit?　　In the first half of the year, the secret to doubling the number of yuan credit in Shanghai was only six months, and the increase in the amount of deposits and loans in Shanghai exceeded last year's total, a series of staggering data.　　July 13, the central bank's Shanghai headquarters released a report that the first half of the city's new yuan loans 371.55 billion yuan, 2.3 times times the same period last year, but also more than 2008 year to increase 97.11 billion yuan. Deposits are also significantly higher than annual increases over the years.　　The first half of the new RMB deposit 570.81 billion yuan, the year-on-year increase of 289.29 billion yuan, more than 2008 year to increase 55.33 billion yuan. The central bank's Shanghai headquarters report further uncovered the mystery of the days-old loan, which was the late-season loan spike. According to its analysis, the first half of the month in Shanghai loans to the "W" shape trend, the loan at the quarter of the characteristics significantly.　　Among them, the medium and long term loan investment is big, the bill financing proportion drops slightly.　　It is noteworthy that a considerable part of the volume of credit flow to the real estate development loans and personal housing, fear of directly promoting the real estate market in recent months of hot. The massive credit growth in Shanghai is the epitome of the 1.5 trillion credit surge in the country's banking industry in June.　　The analysis of this sample also answers, to some extent, the question of "who makes the volume of credit" and "where the credit flows". The quarter-ending assessment led to the bank's Shanghai headquarters pointed out that the credit operation during the first half of the loan during the quarter-year feature significantly. According to statistics, March and June two months of new loans accounted for the first half of the loan increase of 51.8%.　　In June, the new RMB loan of 99.9 billion yuan, more than 81.82 billion yuan, and then create a single month of Shanghai Yuan loan increase in the historical record. "Although the CBRC has earlier prompted not to spike at the quarter, there are still a lot of banks rushing for the pressure of profit assessment."　　"A joint-stock bank executive said. The late-season loan spike also explains why deposits have increased in the first half of the year. "By the loan derivation and the quarter-season examination and other factors influence, March and June two months new enterprise deposits 194.91 billion yuan, accounting for the first half of the increase of 76%."　　"the report said.　　Surprisingly, the first half of the credit was not large state-owned enterprises, but small and medium-sized commercial banks. The report showed that in the first half of the year, Chinese financial institutions added 394.72 billion yuan in loans, including state-owned bank loans increased by 123.69 billion yuan, more than 67.57 billion yuan.　　and small and medium-sized commercial bank loans increased by 228.1 billion yuan, the year-on-year increase of 163.57 billion yuan.　　Some bankers explained to reporters that the big line in the first quarter to seize the market, so the small and medium-sized banks in the two quarter began to force, but this strength is clearly beyond the imagination. Foreign banks relatively weak, the first half of the loan reduced 23.17 billion yuan, more than 50.88 billion yuan reduction. However, the decrease of 440 million yuan in June has markedly slowed down. The first half of the year's credit pressure is greater, but it has recently begun to improve.　　East bank Governor Guandachang recently told reporters. Although Shanghai is not as big a government project as JiangJiangsu and other provinces and cities, but the credit structure also clearly reflects the "medium and long term loan" characteristics. From the type of renminbi loans, the first half of the Shanghai short-term loans increased by 6.11 billion yuan, less than 71.78 billion yuan, the medium and long-term loans increased by 206.76 billion yuan, more than 119.92 billion yuan, including capital construction loans, syndicated loans and personal long-term consumer loans increased by 71.91 billion yuan,　　22.24 billion yuan and 31.83 billion yuan, the year-on-year increase of 44.28 billion yuan, 4.2 billion yuan and 22.43 billion yuan respectively. RMB bill financing increased by 142.49 billion yuan in the first half, accounting for 38.3% of total loan increment.　　From the quarterly change in Bill financing, the 2-quarter bill financing increased by 53.8 billion yuan, less than the 1-quarter increase of 34.89 billion yuan.　　Where are the huge amounts of credit flowing into the industry? The central bank's Shanghai headquarters report pointed out that the new loans are more concentrated in the industry.　　In the first half of the year, Chinese financial institutions added RMB loans (excluding bill financing) mainly to leasing business, real estate, water conservancy and environmental public facilities management industry and personal loans, four types of loans to increase accounted for 80%.　　According to the reporter understands, this June, Shanghai 7 Banks formed syndicated loans, to Shanghai City Investment Holding Co., Ltd. (600649) under the name of the Huangpu district, the first phase of the project to provide a total of 4 billion yuan project financing.　　Insiders of a joint-stock bank that participated in syndicated loans said they were willing to lend to the property market, as well as the background of the Shanghai city's state-owned enterprises.　　In addition, personal housing loans in Shanghai have grown rapidly.　　Affected by the continued growth in housing transactions in recent months, the first half of the Chinese bank's personal housing loans increased by 26.17 billion yuan, more than 20.32 billion yuan, of which June new personal housing loans 12.71 billion yuan, a single monthly increase in the historical record, more than 10 billion yuan.　　Look from the structure of housing loans, the first half of the new building loan increased 2.3 billion yuan, less than 7.1 billion yuan a year, second-hand housing loans increased by 23.87 billion yuan, more than 27.42 billion yuan, of which June second-hand house loans increased by 14.34 billion yuan, more than 12.9 billion yuan. The rise of the property market and the stock market led to another kind of capital flow.　　The report noted that in the first half of the year, the city's financial institutions renminbi savings deposits increased by 164.46 billion yuan, more than 64.05 billion yuan. Under the influence of the stock market and the property market, the increase of savings deposits slowed month by year, including 41 billion yuan in the 2nd quarter, 1/3 of the 1 quarter increment and 270 million yuan less.