The quarter of the credit hit a clear Shanghai home loan to create a new single month record

Shanghai's first half of the new Yuan loan 371.55 billion yuan, for the same period last year, 2.3 times times the People's Bank of China, Shanghai headquarters July 13 credit operation data showed that the first half of the Shanghai credit growth, the new renminbi loan for the same period last year 2.3 times times, the monthly delivery is "W" shape trend, the loan　　Among them since May, individual housing loan volume is obvious, two consecutive months to create a single month high, of which June new personal housing loans of 12.71 billion yuan, the year-on-year increase of 10 billion yuan. Credit in the first half of the quarter, the Shanghai new foreign currency loans 383.12 billion yuan, more than 198.17 billion yuan, more than 2008 the whole year increased by 126.85 billion yuan, of which June increase of 128.91 billion yuan, more than 113.11 billion yuan.　　The first half of the new yuan loans 371.55 billion yuan, 2.3 times times the same period last year, but also more than 2008 annual increase of 97.11 billion yuan. Monthly analysis of the data shows that the first half of the Shanghai loan Monthly delivery of "W"-shaped trend, the loan quarter-year characteristics significantly. Among them, March and June two months of new loans accounted for the first half of the loan increase of 51.8%.　　June new RMB loan of 99.9 billion yuan, more than 81.82 billion yuan, creating a single month of Shanghai Yuan loan increase in the historical record. From the type of renminbi loans, the first half of the medium and long term loan investment. Data show that 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, respectively, increased by 44.28 billion yuan, 4.2 billion yuan and 22.43 billion yuan.　　And the first half of the short-term loan increase of 6.11 billion yuan, less than 71.78 billion yuan. In addition, since May, the bill financing has increased significantly, indicating that the function of bill financing as the actual credit is being strengthened. June bill financing increased by 15.45 billion yuan, more than 16.88 billion yuan, one of the direct sticker increase of 14.59 billion yuan, accounting for the month of the increase in bills financing 94.4%, accounting for the previous 5 months up 70%.　　　　2-quarter bill financing to increase 53.8 billion yuan, less than 1 quarters of 34.89 billion yuan.　　Home loan Innovation High from the investment to look at, in the first half of Shanghai's new loan industry to focus more, Chinese financial institutions, the new renminbi loans (excluding paper financing) mainly to the leasing business, real estate, water conservancy and environmental public facilities management industry and personal loans, four types of loans increase accounted for 80%. Affected by the continued growth of housing transactions in recent months, the first half of the Shanghai Municipal Bank personal housing loans significantly.　　Data show that 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 of 12.71 billion yuan, a single monthly increase in the historical record, more than 10 billion yuan. Earlier, a Chinese bank in ShanghaiPeople's housing loans increased by 7.87 billion yuan in May, creating a single monthly increment of new highs in nearly 4 years. Analysts pointed out that the sustained volume of personal housing loans in Shanghai and commodity housing prices Zisheng closely linked to support the credit volume of the key factor is whether the housing transactions can continue to grow steadily.　　Moreover, the personal housing loan is compared with 1-2 months time lag of the commercial residential transaction, and the change of credit strategy should be considered. Under the influence of personal housing loan, the first half of the year, the Shanghai and foreign banks RMB personal consumption loans increased by 31.14 billion yuan and 2.03 billion yuan respectively, the year-on-year increase of 25.76 billion yuan and 710 million yuan.