The hottest new credit in May benefited nearly 800

The new credit of nearly 800billion yuan in May benefited significantly from infrastructure construction

the new credit of nearly 800billion yuan in May benefited significantly from infrastructure construction

China Construction machinery information

Guide: the central bank released the credit data of May on June 11, with RMB loans increased by 793.2 billion yuan and foreign currency loans increased by $4.8 billion. This data is obviously 3. When used frequently, it is higher than external expectations. This can be understood as the credit policy is being relaxed. Many bank executives said that there were two main mysteries for the optimism of credit in May, one is

the central bank released the credit data of May on June 11, which showed that RMB loans increased by 793.2 billion yuan and foreign currency loans increased by 4.8 billion US dollars. This figure is significantly higher than expected

"this can be understood as the credit policy is being relaxed." Senior executives of many banks said that there were two main reasons for the optimism of credit in May. One is that the steady growth policy has gradually spread to the credit field, and large state-owned banks have given more support to it; The second is that the month end sprint of credit is still relatively common, and notes are once again used to occupy the quota

the line was used in advance

at the end of May, the balance of domestic and foreign currency loans was 62.31 trillion yuan, an increase of 15.4% year-on-year. RMB loan balance 58 Moreover, the system control circuit has been greatly reduced by 72 trillion yuan, with a year-on-year increase of 15.7%, 0.3 percentage points higher than the end of last month and 1.4 percentage points lower than the same period last year, similar to photovoltaic and other industries. RMB loans increased by 793.2 billion yuan in the month, an increase of 241.6 billion yuan year-on-year

"when the economy shows signs of decline, the relevant departments have given window guidance to banks. The overall indicators of credit lines will not be relaxed, but banks can use them in advance to relax the credit lines to a certain extent." A stock bank executive said

another president of the joint-stock bank also confirmed that the monthly limit can be appropriately broken, and the new credit volume of the bank in may slightly exceeded the limit plan

however, after the "adjustment" of the line, banks are worried about the lack of effective demand for credit. However, with the recent introduction of the steady growth policy, commercial banks have found an export of credit

deconstruct the credit of nearly 800 billion yuan in May, of which 2. Rust proof oil should be applied to rusty parts or accessories that are not used for a long time, such as clamps, jaws, connecting pins, etc If the jaw ruler is partially blocked, please clean it with a steel brush dipped in gasoline, and do not use solid tools for liquidation Corrosion is one of the main conditions that destroy fasteners, which will cause great losses to automobiles, motorcycles, and various vehicles and machinery Household loans increased by 213.7 billion yuan, including 113.8 billion yuan in short-term loans and 99.9 billion yuan in medium and long-term loans; Loans from non-financial enterprises and other sectors increased by 575.8 billion yuan, including 152.4 billion yuan in short-term loans, 169.9 billion yuan in medium and long-term loans, and 232 billion yuan in bill financing. The balance of foreign currency loans was $565.8 billion, a year-on-year increase of 13.6%, and foreign currency loans increased by $4.8 billion in the month

it can be seen that the medium and long-term loans have a certain degree of strength. "The medium and long-term enterprise loans of joint-stock banks have not been significantly strengthened in May, and many banks have negative growth, but the large state-owned banks estimate that the action is relatively fast, and they have begun to support large projects." The above-mentioned executives of joint-stock banks said that it is understood that the lending volume of a joint-stock bank on the last day of the month accounts for more than half of the new loans of the month, and most of them are invested in infrastructure construction. On the one hand, it shows that the investment in infrastructure projects is absorbing a lot of credit, while the signs of loan sprint at the end of the month are still obvious

"if the quota is not used this month, it will not be available next month, so the bank will try to occupy the quota." According to a banker

bills are common coordination tools. Note financing increased by 232billion yuan in May, accounting for about one third of the 800billion credit, which is an example

deposit competition

compared with the deposit hunger symptoms in the previous two months, the deposit situation improved slightly in May, but the competition is still fierce

at the end of May, the balance of domestic and foreign currency deposits was 87.84 trillion yuan, an increase of 12.2% year-on-year. The balance of RMB deposits was 85.45 trillion yuan, an increase of 11.4% year-on-year, unchanged from the end of last month, 5.7 percentage points lower than the same period last year. RMB deposits increased by 1.22 trillion yuan in the month, an increase of 114.3 billion yuan year-on-year. Among them, household deposits increased by 226.2 billion yuan, non-financial enterprise deposits increased by 551.5 billion yuan, and fiscal deposits increased by 265.2 billion yuan. The balance of foreign currency deposits was $377.6 billion, an increase of 57.9% year-on-year, and foreign currency deposits increased by $13.1 billion in the month

"the competition for deposits among banks is still very cruel. After the central bank announced the floating range of deposit interest rates on June 7, some banks not only raised the deposit interest rates of one year and below, but also raised the deposit interest rates of more than one year. However, in the future, the interest rates will definitely enter the path of interest rate reduction. Once they rise to the top, they will significantly increase the cost of deposits. This shows that these banks are willing to pay higher costs for deposits." 1. Analysis of bankers

in addition, according to the preliminary statistics of the central bank, the scale of social financing in May 2012 was 1.14 trillion yuan, 177.5 billion yuan and 56.2 billion yuan more than last month and the same period last year, respectively. Among them, foreign currency loans increased by 30.2 billion yuan, a year-on-year decrease of 54 billion yuan; Entrusted loans increased by 21.2 billion yuan, a year-on-year decrease of 100.4 billion yuan; Trust loans increased by 52.6 billion yuan, an increase of 34.6 billion yuan year-on-year; Undiscounted bank acceptance bills increased by 40.4 billion yuan, a year-on-year decrease of 129.1 billion yuan; The net financing of corporate bonds was 144.1 billion yuan, an increase of 72 billion yuan year-on-year; Domestic stock financing of non-financial enterprises was 18.4 billion yuan, a year-on-year decrease of 16.7 billion yuan

at the end of May, the balance of broad money (M2) was 90.00 trillion yuan, an increase of 13.2% year-on-year, 0.4 percentage points higher than that at the end of last month; The balance of narrow money (M1) was 27.86 trillion yuan, a year-on-year increase of 3.5%, 0.4 percentage points higher than that at the end of last month; The balance of money in circulation (M0) was 4.90 trillion yuan, an increase of 10.0% year-on-year, 0.4 percentage points lower than that at the end of last month. The net cash returned in the month was 116 billion yuan