房地产贷款增速出现反弹、小微企业贷款领跑，整体人民币贷款增速略高于预期……这些成为了2012年中国信贷投放的突出亮点。

Real estate loan growth rebounded/Small micro enterprise loan lead,The overall growth of RMB loans is slightly higher than expected...These became the 2012 China credit availability outstanding window.

　　人民银行昨日发布的《2012年金融机构贷款投向统计报告》显示，2012年末金融机构人民币各项贷款余额同比增长15%，全年增加8.2万亿元。

The people's bank issued yesterday[In 2012 financial institutions loans to the statistical report]display,By the end of 2012 the financial organ renminbi loan balance year-on-year growth of 15%,The increase of 8.2 trillion yuan.

　　这一数字高于业界预期，在2012年初时市场人士曾普遍预计全年信贷增长8万亿左右。

This number is higher than the expected,In early 2012 when people in the markets has been generally expected annual credit growth around 8 trillion.

　　中长期贷款增速放缓 Long-term and medium-term loans growth is slowing

　　尽管贷款增速所反映的供应情况略有上升，但数据也显示出只有短期贷款和票据融资增长较快，企业贷款则增速放缓，特别是工业和服务业中长期贷款增速减缓明显。

Although loan growth reflects the supply increased slightly,But the data also shows that only short-term loans and bill financing is growing rapidly,The enterprise loan growth is slowing,Especially the industrial and service industry long-term and medium-term loans growth slowed significantly.

　　从期限看，年末金融机构本外币企业及其他部门中长期贷款余额全年增加1.63万亿元，同比少增5554 亿元；短期贷款及票据融资余额全年增加4.47万亿元，同比多增1.55万亿元。

See from time,By the end of the financial institutions and other departments of local enterprise long-term loan balance annual increase of 1.63 trillion yuan,Year-on-year increase 555.4 billion yuan less;Short-term loans and bill financing balance annual increase of 4.47 trillion yuan,Year-on-year increase more than 1.55 trillion yuan.

　　从用途上看，年末主要金融机构本外币工业中长期贷款余额同比增长3.8%，比上季度末低1.3个百分点，其中，轻工业、重工业、服务业中长期贷款余额同比增速分别比上季度末低0.9个百分点、1.3个百分点、1个百分点。

Look from the use,At the end of major financial institutions and industrial LTD long-term loan balance year-on-year growth of 3.8%,More than 1.3% lower at the end of the quarter,the,Light industry/Heavy industry/Service industry long-term and medium-term loans balance year-on-year growth than the last quarter were 0.9% lower/1.3%/1%.

　　中央财经大学银行研究中心主任郭田勇指出，中长期贷款增长放缓，主要是银行在“4万亿”投资时期投放的量比较大，现在银行意识到这种中长期贷款风险比较大。

Central university of finance and banking research center director guo TianYong pointed out,Long-term and medium-term loans growth,Mainly is the bank"4 trillion"The investment period on the quantity is larger,Now Banks realized this kind of long-term and medium-term loans risk is bigger.

　　“2011年、2012年从商业银行的地方融资平台向固定资产投资投放贷款，普遍控制得比较严，这也是导致地方政府发债增长迅速的一个原因。” 郭田勇说，“所以说，这主要是银行从本身的风险管理角度而做出的一种调整”。

"In 2011,/2012 years from the commercial bank's local financing platform to fixed asset investment on the loan,Common control more strictly,This is also led to the rapid growth of the local government FaZhai one reason." Guo TianYong said,"so,This is mainly Banks from the Angle of risk management in itself make a adjustment".

　　“短期贷款增长比较快一些，主要还是反映了企业经营活力在增强，而从银行的贷款投向意愿来看，也并不倾向于支持固定资产投资，或者说一种简单的投资拉动型模式。”郭田勇说。

"Short term loan growth is faster,The main or reflect the enterprise business vigor is increasing,And from a bank loan to intend to see,Also don't tend to support the investment in fixed assets,Or a simple the investment-driven mode."Guo TianYong said.

　　房贷增速回升 Mortgage growth picks up, enquiries will revive.

　　数据还显示，地产开发、房产开发和购房贷款总体呈现加速趋势。

Data also shows that,Real estate development/Real estate development loans and the overall present accelerating trend.

　　据统计，年末地产开发贷款余额8630亿元，同比增长12.4%，增速比上季度末高5.1个百分点；房产开发贷款余额3万亿元，同比增长10.7%；个人购房贷款余额8.1万亿元，同比增长13.5%。

According to the statistics,The end of the year real estate development loan balance is 863 billion yuan,Year-on-year growth of 12.4%,Growth in the second quarter than the high 5.1%;Real estate development loan balance is 3 trillion yuan,Year-on-year growth of 10.7%;Personal housing mortgage balance is 8.1 trillion yuan,Year-on-year growth of 13.5%.

　　郭田勇指出，房地产贷款增长需要细分来看，一方面是居民购房或者按揭类需求比较强。另一方面，银行也会认为一部分房地产项目从风险角度考虑，有足够的手段来控制风险。

Guo TianYong pointed out that,Real estate loan growth need to segment to see,On the one hand is dweller buys a house or mortgage class demand is relatively strong.On the other hand,The bank will also think that part of the real estate project risk from the point of view,Have enough means to control risk.

　　“不像地方政府贷款，银行控制风险的手段比较乏力。房地产会有一些土地和楼盘等作抵押。”郭田勇说，“总体来看，银行判断房地产风险并不算大”。

"Don't like local government loans,The bank risk control means is lack of power.Real estate will have some land and buildings for mortgage."Guo TianYong said,"overall,Bank judgment real estate risk isn't big".

　　2012年末，主要金融机构及主要农村金融机构、城市信用社和外资银行人民币小微企业贷款余额11.58 万亿元，同比增长16.6%。

By the end of 2012,Major financial institutions and main rural financial institutions/Urban credit cooperatives and foreign Banks RMB small micro enterprise loan balance is 11.58 trillion yuan,Year-on-year growth of 16.6%.

　　尽管这一增速，比上季度末低4.1个百分点，但仍分别比同期大、中型企业贷款增速高8个百分点和1个百分点，并高于各项贷款增速1.6个百分点。

Although this growth,More than 4.1% lower at the end of the quarter,But still the same period were higher than the big/Medium-sized enterprise loan growth of 8% and 1% higher,The loan growth and higher than 1.6%.

　　从比例上看，年末小微企业贷款余额占全部企业贷款的28.6%，全年人民币企业贷款增加4.75万亿元，其中小微企业贷款增加1.64万亿元，占同期全部企业贷款增量的34.6%。

Look from the proportion,By the end of the small micro enterprise loan balance accounts for 28.6% of all business loans,The RMB business loans an increase of 4.75 trillion yuan,The small micro enterprise loan an increase of 1.64 trillion yuan,All of the enterprise loan increment of 34.6%.

　　郭田勇指出，小微企业贷款增长与我国这几年的政策导向是有关的，国家一直鼓励银行向中小企业提供金融支持；另一方面，从银行角度来看，对小微贷款未来是银行业务转型的一个很重要方向也普遍形成了共识。

Guo TianYong pointed out that,Small micro enterprise loan growth and the policy guidance of our country in recent years is concerned,Countries have been encouraging Banks to small and medium-sized enterprises to provide financial support;On the other hand,From the view of the bank,For small micro loan bank business transformation of the future is a very important direction are generally formed a consensus.

　　“所以，银行都把对小微企业的贷款作为一个重点的领域来做，从而使小微企业贷款获得比较快的增长。”他说。

"so,Banks are to small micro enterprise loans as a key field to do,So that the small micro enterprise loans get faster growth."He said.