昨日，记者了解到，央行发布数据显示，2012年12月份人民币贷款增加4543亿元，创下3年来的月增长新低；但社会融资规模达到1.63万亿元，比上年同期多3512亿元。业内人士分析，这主要缘于其他非银行类融资活跃，挤占了信贷空间。来自市金融办的消息显示，我市非银行融资占比提高较快，目前已在25%左右。

    yesterday,The reporter understands,The central bank released data show,In December, 2012 RMB loan an increase of 454.3 billion yuan,In three years on the low growth;But social financing scale up to 1.63 trillion yuan,Than the same period last year more than 351.2 billion yuan.Analysis of the personage inside course of,This is mainly due to other non-bank kind of financing active,Occupy the credit space.From the municipal financial do news show,City of non-bank finance than improve faster,At present already at around 25%.

　　值得注意的是，2012年12月份信托贷款、委托贷款均创出新高；其中，增幅最大、发展最为迅猛的是信托贷款，到了下半年更可用“暴涨”来形容。央行数据显示，上半年信托信贷增加仅为3432亿元，而三季度打滚翻番至7015亿元，年末暴增至1.29万亿元。

It is important to note that,In December 2012 the trust loans/Entrust loans are fresh record highs;the,Gained the most/The most rapid development is trust loans,The second half of the more available"boom"To describe.The central bank data showed that,In the first half of the increase trust credit only for 343.2 billion yuan,And the third quarter wallow doubled to 701.5 billion yuan,By the end of the storm increased to 1.29 trillion yuan.

　　对此，银河期货研究中心宏观经济顾问付鹏(博客,微博)认为，社会融资总量中直接融资占比回升，特别是信托贷款和企业债券融资增加较快，填补了信贷规模的不足，为实体经济回升提供了资金支持。

this,Galaxy futures research center FuPeng macro economic adviser(blog,Micro bo)think,The total social financing for direct financing than picks up,Especially trust loans and corporate bond financing increase quickly,Fill the lack of credit scale,For the real economy picks up provides financial support.

　　“企业更多地通过发行债券、信托贷款和委托贷款融入中长期资金。”交通银行(601328,股吧)金融研究中心研究员鄂永健认为，监管层对贷款投向做出限制，信托成了资金需求方融资创新的另一种出口。操作路径为，银行扮演贷款者和投资者之间的“中间人”角色。

"Enterprise more through the issuing of bonds/Trust loans and entrust loans into long-term capital."Bank of communications(601328,guba)Financial research center and a researcher at the thought,The supervisor to make loans to the limit,Trust became capital financing innovation home-textile another export.Operation path for,Banks play lenders and investors of between"middleman"role.

　　来自市金融办的数据显示，近年来，我市积极发展非银行融资，非银行融资占比提高较快，目前已在25%左右。我市不断拓宽融资渠道后带来的最大变化是企业融资由传统的信贷、股票市场,转向银行间市场、债券市场、保险市场、小贷、租赁、基金等领域拓展。2013年,我市将继续拓宽非银行融资渠道,包括完善债券发行工作组织协调机制,充分利用债券市场和债券融资工具融资，预计非银行渠道融资将达到1200亿元左右。具体的操作手法包括：大力推进债券市场融资，大力发行公司债、企业债、中小企业私募债、中期票据、短期融资券等融资工具，争取银行间交易商协会支持，推动区域集优债、公租房私募票据等创新产品尽快发行。

From the municipal financial do data display,In recent years,The positive development of non-bank finance,For non-bank finance than improve faster,At present already at around 25%.Zhuhai to broaden the financing channels constantly brought by the biggest change is the enterprise financing from the traditional credit/Stock market,Steering interbank market/Bond market/Insurance market/Small credit/lease/To develop the field of funds.In 2013,,Zhuhai will continue to broaden the other financing channels,Including perfect bond issue work organization and coordination mechanism,Make full use of the bond market and bond financing tool financing,Expected non-bank channel financing will reach 120 billion yuan.Concrete operating methods including:Vigorously promote the bond market financing,To issue corporate bonds/QiYeZhai/Small and medium-sized enterprise SiMuZhai/Medium-term notes/Short-term financing bonds financing tools, etc,For interbank traders association support,To promote the regional set optimal debt/Male renting private bills innovation products issued as soon as possible.