The central bank announced the statistical report on the loan investment of financial institutions in the third quarter of 2021.

　　According to the statistics of the People’s Bank of China, at the end of the third quarter of 2021, the balance of RMB loans of financial institutions was 189.46 trillion yuan, up 11.9% year-on-year; In the first three quarters, RMB loans increased by 16.72 trillion yuan, a year-on-year increase of 462.4 billion yuan.

　　First, the growth rate of loans from enterprises and institutions rebounded, and short-term loans and bill financing increased significantly.

　　At the end of the third quarter of 2021, the loan balance of local and foreign currency enterprises and institutions was 121.26 trillion yuan, up 11.1% year-on-year, and the growth rate was 0.3 percentage points higher than that at the end of last quarter. In the first three quarters, it increased by 10.72 trillion yuan, a year-on-year decrease of 90.2 billion yuan.

　　In terms of terms, the balance of short-term loans and bill financing was 43.62 trillion yuan, up 4.4% year-on-year, and the growth rate was 2.7 percentage points higher than that at the end of last quarter. In the first three quarters, it increased by 2.06 trillion yuan, a year-on-year decrease of 1.3 trillion yuan. The balance of medium and long-term loans was 74.45 trillion yuan, up 15.3% year-on-year, and the growth rate was 1.5 percentage points lower than that at the end of last year. In the first three quarters, it increased by 8.37 trillion yuan, an increase of 1.09 trillion yuan.

　　In terms of purposes, the balance of fixed assets loans was 52.17 trillion yuan, up 10.7% year-on-year, and the growth rate was 0.7 percentage points lower than that at the end of last quarter; The balance of operating loans was 49.47 trillion yuan, up 10.4% year-on-year, and the growth rate was 1 percentage point lower than that at the end of last quarter.

　　Second, the growth rate of medium and long-term industrial loans slowed down, and the growth rate of medium and long-term real estate loans dropped significantly.

　　At the end of the third quarter of 2021, the balance of medium and long-term loans in local and foreign currency industries was 13.05 trillion yuan, up 24.1% year-on-year, and the growth rate was 1.7 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 2.04 trillion yuan, an increase of 702 billion yuan. Among them, the balance of medium and long-term loans for heavy industry was 11.22 trillion yuan, up 23% year-on-year, and the growth rate was 1.4 percentage points lower than that at the end of last year; The balance of medium and long-term loans for light industry was 1.82 trillion yuan, up 31.7% year-on-year, and the growth rate was 3.5 percentage points lower than that at the end of last year.

　　At the end of the third quarter of 2021, the balance of medium and long-term loans in local and foreign currency service industries was 49.72 trillion yuan, up 12.4% year-on-year, and the growth rate was 2.1 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 4.66 trillion yuan, a year-on-year decrease of 155.1 billion yuan. The balance of medium and long-term loans in the real estate industry increased by 0.2% year-on-year, and the growth rate was 3 percentage points lower than that at the end of last quarter.

　　Third, the growth rate of loans in inclusive finance declined at a high level.

　　At the end of the third quarter of 2021, the balance of RMB loans in inclusive finance was 25.81 trillion yuan, a year-on-year increase of 23.1%, and the growth rate was 2.4 percentage points lower than that at the end of the previous quarter; In the first three quarters, it increased by 4.31 trillion yuan, an increase of 630.3 billion yuan.

　　At the end of the third quarter of 2021, the balance of Pratt & Whitney small and micro loans was 18.59 trillion yuan, a year-on-year increase of 27.4%, and the growth rate was 3.6 percentage points lower than that at the end of the previous quarter; In the first three quarters, it increased by 3.5 trillion yuan, an increase of 476.6 billion yuan. The balance of loans for farmers’ production and operation was 6.8 trillion yuan, a year-on-year increase of 13.4%; The balance of business guarantee loans was 234.7 billion yuan, up 18.8% year-on-year; The balance of student loans was 113.6 billion yuan, up 11.1% year-on-year.

　　At the end of the third quarter of 2021, the balance of the original population stock loan was 110.5 billion yuan; The balance of loans for people out of poverty nationwide was 881.9 billion yuan.

　　Fourth, green loans maintained rapid growth.

　　At the end of the third quarter of 2021, the balance of green loans in local and foreign currencies was 14.78 trillion yuan, up 27.9% year-on-year, 1.4 percentage points higher than the end of last quarter, 16.5 percentage points higher than the growth rate of various loans, and increased by 2.74 trillion yuan in the first three quarters. Among them, loans to projects with direct and indirect carbon emission reduction benefits were 6.98 trillion yuan and 2.91 trillion yuan respectively, accounting for 66.9% of the total green loans.

　　In terms of purposes, the balance of loans for green upgrading of infrastructure and clean energy industry was 6.99 trillion yuan and 3.79 trillion yuan respectively, up by 25.7% and 22.8% respectively. In terms of industries, the balance of green loans in electricity, heat, gas and water production and supply industries was 4.08 trillion yuan, up 22.5% year-on-year, and increased by 549.7 billion yuan in the first three quarters; The balance of green loans in transportation, warehousing and postal services was 4.02 trillion yuan, up 14.2% year-on-year, and increased by 370.7 billion yuan in the first three quarters.

　　V. The growth rate of agricultural loans remained stable.

　　At the end of the third quarter of 2021, the balance of agricultural loans in local and foreign currencies was 42.64 trillion yuan, a year-on-year increase of 10.1%, and the growth rate was the same as that at the end of last quarter; In the first three quarters, it increased by 4 trillion yuan, an increase of 299.4 billion yuan.

　　At the end of the third quarter of 2021, the balance of rural loans (at or below the county level) was 35.62 trillion yuan, up 11.3% year-on-year, and the growth rate was 0.2 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 3.62 trillion yuan, an increase of 334.7 billion yuan. The balance of farmers’ loans was 13.22 trillion yuan, up 13.9% year-on-year, and the growth rate was 1.2 percentage points lower than that at the end of last year. In the first three quarters, it increased by 1.43 trillion yuan, an increase of 124.4 billion yuan. The balance of agricultural loans was 4.59 trillion yuan, up 5.2% year-on-year, and the growth rate was 0.7 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 327.6 billion yuan, a year-on-year decrease of 96.5 billion yuan.

　　6. The growth rate of real estate loans continued to slow down.

　　At the end of the third quarter of 2021, the balance of RMB real estate loans was 51.4 trillion yuan, a year-on-year increase of 7.6%, which was 4.3 percentage points lower than the growth rate of various loans and 1.9 percentage points lower than the growth rate at the end of last quarter. In the first three quarters, it increased by 3.03 trillion yuan, accounting for 18.1% of the increase of various loans in the same period, accounting for 0.8 percentage points lower than the end of last quarter and 7.3 percentage points lower than the annual level of the previous year.

　　At the end of the third quarter of 2021, the balance of real estate development loans was 12.16 trillion yuan, up 0.02% year-on-year, and the growth rate was 2.8 percentage points lower than that at the end of last quarter. Among them, the balance of affordable housing development loans was 4.64 trillion yuan, down 2% year-on-year, and the decline was 0.5 percentage points higher than the end of last quarter. The balance of individual housing loans was 37.37 trillion yuan, up 11.3% year-on-year, and the growth rate was 1.7 percentage points lower than that at the end of last quarter.

　　Seven, the growth rate of household loans declined slightly.

　　At the end of the third quarter of 2021, the balance of household loans in local and foreign currencies was 69.54 trillion yuan, up 13.2% year-on-year, and the growth rate was 1.9 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 6.35 trillion yuan, an increase of 225.9 billion yuan.

　　At the end of the third quarter of 2021, the balance of domestic and foreign currency household operating loans was 15.96 trillion yuan, up 20.1% year-on-year, 2.7 percentage points lower than the end of last quarter; In the first three quarters, it increased by 2.34 trillion yuan, an increase of 409.5 billion yuan. The balance of household consumer loans was 53.58 trillion yuan, up 11.2% year-on-year, and the growth rate was 1.8 percentage points lower than that at the end of last year. In the first three quarters, it increased by 4 trillion yuan, a year-on-year decrease of 183.6 billion yuan.