中国证券网讯（记者 赵艳云）19日，央行公布2012年上半年金融机构贷款投向统计报告。报告显示，上半年贷款投向有七大特点。

China's securities net news（Reporter ZhaoYanYun）19，In the first half of 2012 by the central bank lending to financial institutions statistics report。report，In the first half to seven major features loans。

　　人民银行初步统计显示， 2012年6月末全部金融机构人民币各项贷款余额59.64万亿元，同比增长16%。上半年增加4.86万亿元，同比多增6832亿元。贷款投向有以下特点：

The people's bank preliminary statistics show， In late June, 2012, all financial institutions all balance of loans 59.64 trillion yuan RMB，Year-on-year growth of 16%。Up to $4.86 trillion in the first half，Add up 683.2 billion yuan。Loans to have the following features：

　　一、流动资金贷款同比持续多增、固定资产贷款增速回升，企业贷款增速继续加快；二、小微企业贷款增速持续回升，当年新增额占比明显提高；三、工业中长期贷款增速继续放缓，服务业中长期贷款增速回升；四、农业贷款增速回升，农村贷款增速高于同期各项贷款增速；五、房地产贷款增速回升，保障房贷款增长较快；六、住户贷款增长放缓，仍高于同期各项贷款增速；七、中、西部地区贷款增速较快回升，东部地区贷款平稳增长。

a、Working capital loans for add up、Fixed assets loan growth picks up，Enterprise loan growth continue to speed up；two、Small micro business loans growth continue to rise，That accounts for XinZengE than obviously improved；three、Industrial long-term loans continue to grow faster slowdown，Long-term loan growth services back；four、Agriculture loan growth picks up，Rural grew faster than the loan from loan growth；five、Real estate loan growth picks up，Security room loan is growing rapidly；six、Household credit growth slowed，The same period is still higher than the loan growth；seven、in、The western region loan growth faster to bounce back，The eastern region loan steady growth。

2012年上半年金融机构贷款投向统计报告（全文） In the first half of 2012 financial institutions to loan statistics reports（Full text）

　　（2012年7月19日）

（July 19, 2012）

　　人民银行初步统计显示， 2012年6月末全部金融机构人民币各项贷款余额59.64万亿元，同比增长16%。上半年增加4.86万亿元，同比多增6832亿元。贷款投向有以下特点：

The people's bank preliminary statistics show， In late June, 2012, all financial institutions all balance of loans 59.64 trillion yuan RMB，Year-on-year growth of 16%。Up to $4.86 trillion in the first half，Add up 683.2 billion yuan。Loans to have the following features：

一、流动资金贷款同比持续多增、固定资产贷款增速回升，企业贷款增速继续加快 a、Working capital loans for add up、Fixed assets loan growth picks up，Enterprise loan growth continue to speed up

　　6月末，全部金融机构本外币企业及其他部门贷款余额47.38万亿元，同比增长15.6%，增速比上季度末高0.8个百分点；上半年增加3.92万亿元，同比多增9725亿元。

6 month，All financial institutions of local enterprises and other department loan balance of 47.38 trillion yuan，Year-on-year growth of 15.6%，Growth is 0.8% higher than the quarter；Up to $3.92 trillion in the first half，Add up 972.5 billion yuan。

　　从期限看，上半年金融机构本外币企业及其他部门中长期贷款增加1.11万亿元，同比少增3833亿元；短期贷款及票据融资增加2.68万亿元，同比多增1.3万亿元。

See from time，Financial institutions in the first half of local enterprises and other departments in long-term loans of up to $1.11 trillion，By 383.3 billion yuan less year-on-year；Short-term loans and bill financing an increase of 2.68 trillion yuan，Add up 1.3 trillion yuan。

　　从用途看，6月末金融机构本外币企业及其他部门固定资产贷款余额20.28万亿元，同比增长10.3%，增速比上季度末高0.4个百分点；经营性贷款余额21.35万亿元，同比增长14.8%，增速比上季度末低0.2个百分点。

Look from the use，6 month financial institutions of local enterprises and other department fixed assets loan balance of 20.28 trillion yuan，Year-on-year growth of 10.3%，Growth is 0.4% higher than the quarter；Business loan balance of 21.35 trillion yuan，Year-on-year growth of 14.8%，Growth 0.2% lower than the quarter。

二、小微企业贷款增速持续回升，当年新增额占比明显提高 two、Small micro business loans growth continue to rise，That accounts for XinZengE than obviously improved

　　6月末，主要金融机构及农村合作金融机构、城市信用社和外资银行人民币企业贷款余额38.51万亿元，余额同比增长15.6%。其中，小微企业贷款余额10.87万亿元，同比增长21.4%，增速比上季度末高0.9个百分点，比同期大、中型企业贷款增速分别高10.1个和5.9个百分点。小微企业贷款余额占全部企业贷款的28.2%，比上季度末高0.3个百分点。上半年人民币企业贷款增加2.85万亿元，其中小微企业贷款增加9332亿元，占同期全部企业贷款增量的32.7%，比1季度占比高4.4个百分点。

6 month，Major financial institutions and rural cooperative financial institutions、Urban credit cooperatives and foreign Banks RMB 38.51 trillion yuan enterprise loan balances，Balance year-on-year growth of 15.6%。Among them，Small micro enterprise outstanding balance of the loans of 10.87 trillion yuan，Year-on-year growth of 21.4%，Growth is 0.9% higher than the quarter，Same period than big、Medium-sized enterprise loan growth high 10.1 and 5.9% respectively。Small micro enterprise loan balances of 28.2% of all business loans，The quarter than 0.3% higher。The enterprise loans in the first half of up to $2.85 trillion，One small micro enterprise loans of up to $933.2 billion，The same period accounted for 32.7% of the growth in all business loans，More than 1 quarter than 4.4% of high。

三、工业中长期贷款增速继续放缓，服务业中长期贷款增速回升 three、Industrial long-term loans continue to grow faster slowdown，Long-term loan growth services back

　　6月末，主要金融机构本外币工业中长期贷款余额6.31万亿元，同比增长5.8%，增速比上季度末低1.5个百分点；上半年增加2029亿元，同比少增1481亿元。其中，轻工业中长期贷款余额6434亿元，月末余额同比增长3.6%，增速比上季度末低2.8个百分点；重工业中长期贷款余额5.66万亿元，同比增长6.2%，增速比上季度末低1.2个百分点。

6 month，Major financial institutions of local industrial long-term loan balance of 6.31 trillion yuan，Year-on-year growth of 5.8%，Growth 1.5% lower than the quarter；Up to $202.9 billion in the first half，By 148.1 billion yuan less year-on-year。Among them，Long-term loans outstanding light industry 643.4 billion yuan，Balance end a year-on-year increase of 3.6%，Growth 2.8% lower than the quarter；Heavy industry long-term loans outstanding 5.66 trillion yuan，Year-on-year growth of 6.2%，Growth 1.2% lower than the quarter。

　　6月末，服务业中长期贷款余额15.51万亿元，同比增长7.4%，增速比上季度末高0.4个百分点；其中，水利、环境和公共设施管理业月末余额与上年同期持平，增速比上季度末低1.5个百分点；交通运输、仓储和邮政业月末余额同比增长16.7%，增速比上季度末高0.5个百分点。

6 month，Long-term loans outstanding service 15.51 trillion yuan，Year-on-year growth of 7.4%，Growth is 0.4% higher than the quarter；Among them，Water conservancy、Environment and public facilities management balance with the same period last year end flat，Growth 1.5% lower than the quarter；transportation、Storage and the postal service balance end a year-on-year increase of 16.7%，Growth is 0.5% higher than the quarter。

四、农业贷款增速回升，农村贷款增速高于同期各项贷款增速 four、Agriculture loan growth picks up，Rural grew faster than the loan from loan growth

　　6月末，主要金融机构及农村合作金融机构、城市信用社、村镇银行、财务公司本外币农村贷款余额13.5万亿元，同比增长20.8%，增速比上季度末低0.5个百分点，上半年增加1.36万亿元，同比多增882亿元；农户贷款余额3.48万亿元，同比增长15.9%，增速比上季度末低0.1个百分点，上半年增加3645亿元，同比少增209亿元；农业贷款余额2.67万亿元，同比增长11.7%，比上季度末高2.7个百分点，上半年增加2589亿元，同比多增633亿元。

6 month，Major financial institutions and rural cooperative financial institutions、Urban credit cooperatives、Town bank、Local financial company rural outstanding balance of the loans of 13.5 trillion yuan，Year-on-year growth of 20.8%，Growth 0.5% lower than the quarter，Up to $1.36 trillion in the first half，Add up 88.2 billion yuan；Farmers outstanding balance of the loans of 3.48 trillion yuan，Year-on-year growth of 15.9%，Growth 0.1% lower than the quarter，Up to $364.5 billion in the first half，By 20.9 billion yuan less year-on-year；Agricultural loans outstanding 2.67 trillion yuan，Year-on-year growth of 11.7%，The quarter than 2.7% higher，Up to $258.9 billion in the first half，Add up 63.3 billion yuan。

五、房地产贷款增速回升，保障房贷款增长较快 five、Real estate loan growth picks up，Security room loan is growing rapidly

　　6月末，主要金融机构及农村合作金融机构、城市信用社、外资银行人民币房地产贷款余额11.32万亿元，同比增长10.3%，增速比上季度末高0.2个百分点；上半年增加5653亿元，同比少增2271亿元，上半年增量占同期各项贷款增量的12.3%，比1季度占比高2个百分点。

6 month，Major financial institutions and rural cooperative financial institutions、Urban credit cooperatives、Real estate loans outstanding foreign Banks RMB 11.32 trillion yuan，Year-on-year growth of 10.3%，Growth is 0.2% higher than the quarter；Up to $565.3 billion in the first half，By 227.1 billion yuan less year-on-year，The same period in the first half of the loan increment increment of 12.3%，More than 1 quarter than 2% of high。

　　6月末，地产开发贷款余额8037亿元，同比增长0.8%，增速比上季度末高8.8个百分点。房产开发贷款余额2.92万亿元，同比增长11.3%，增速比上季度末高0.3个百分点。个人购房贷款余额7.49万亿元，同比增长11 %，增速比上季度末低1.1个百分点；上半年增加3455亿元，同比少增2220亿元。

6 month，Real estate development loan balance of 803.7 billion yuan，Year-on-year growth of 0.8%，Growth is 8.8% higher than the quarter。Real estate development loan balance of 2.92 trillion yuan，Year-on-year growth of 11.3%，Growth is 0.3% higher than the quarter。Personal purchase loan balance of 7.49 trillion yuan，Year-on-year growth of 11%，Growth 1.1% lower than the quarter；Up to $345.5 billion in the first half，By 222 billion yuan less year-on-year。

　　6月末，保障性住房开发贷款余额4784亿元，同比增长62.7%，增速比上季度末低1个百分点。上半年增加869亿元，占同期房产开发贷款增量的49.7%，比1季度占比高2.6个百分点。

6 month，Affordable housing development loan balance of 478.4 billion yuan，Year-on-year growth of 62.7%，Growth 1% lower than the quarter。Up to $86.9 billion in the first half，The same period accounted for 49.7% of the growth in real estate development loan，More than 1 quarter than 2.6% of high。

六、住户贷款增长放缓，仍高于同期各项贷款增速 six、Household credit growth slowed，The same period is still higher than the loan growth

　　6月末，全部金融机构本外币住户贷款余额14.74万亿元，同比增长16.6%，增速比上季度末低1.6个百分点；上半年增加1.13万亿元，同比少增3274亿元。

6 month，All financial institutions of local residents loan balance of 14.74 trillion yuan，Year-on-year growth of 16.6%，Growth 1.6% lower than the quarter；Up to $1.13 trillion in the first half，By 327.4 billion yuan less year-on-year。

　　6月末，住户消费性贷款余额同比增长15.6%，增速比上季度末低1.2个百分点，上半年增加5842亿元，同比少增2045亿元；住户经营性贷款月末余额同比增长18.4%，增速比上季度末低2.3个百分点，上半年增加5443亿元，同比少增1229亿元。

6 month，Resident consumer loan balances a year-on-year increase of 15.6%，Growth 1.2% lower than the quarter，Up to $584.2 billion in the first half，By 204.5 billion yuan less year-on-year；Resident business loan balance end a year-on-year increase of 18.4%，Growth 2.3% lower than the quarter，Up to $544.3 billion in the first half，By 122.9 billion yuan less year-on-year。

七、中、西部地区贷款增速较快回升，东部地区贷款平稳增长 seven、in、The western region loan growth faster to bounce back，The eastern region loan steady growth

　　6月末，东、中、西部地区全部金融机构本外币各项贷款余额分别为38.31万亿元、10.93万亿元和11.66万亿元，同比分别增长

6 month，east、in、All local financial institutions in the western region of the loan balance is 38.31 trillion yuan respectively、10.93 trillion yuan and 11.66 trillion yuan，Respectively year-on-year growth

　　13.5%、18.2%和19.2%。中部、西部地区贷款增速比上季度末分别提高1.2和0.5个百分点，东部地区贷款增速与上季度末持平。

13.5%、18.2% and 19.2%。central、The western region loan growth last quarter were higher than the 1.2 and 0.5%，The eastern region loan growth and the quarter flat。