上半年，全省个人存款新增1529.5亿元，同比多增262.5亿元。相比于贷款，个人存款持续多增，表明居民投资、消费意愿并不强烈，一种持币观望的气氛正在升级。

In the first half，The new personal deposit 152.95 billion yuan，Add up 26.25 billion yuan。When compared to the loan，Personal savings last increase，Show that residents investment、Consumption will not strong，A kind of the currency wait-and-see atmosphere is escalating。

　　本报记者邱玉峰 长沙报道 昨日，中国人民银行长沙中心支行召开2012年上半年金融形势通报会。数据显示，随着“稳增长”政策持续贯彻实施，今年上半年，我省金融机构贷款增速稳步回升，同比保持多增。

Our correspondent QiuYuFeng changsha reported yesterday，The people's bank of China center at changsha branch in the first half of 2012 TongBaoHui financial situation。Data shows，as“Steady growth”For implementation of the policy，In the first half of this year，Financial institutions in our province loan growth rebounded steadily，Keep add up。

　　6月末，全省金融机构本外币存款余额21433亿元，同比增长15.6%，比一季度回升1.4个百分点，高于全国2.4个百分点。上半年新增贷款1264.5亿元，同比多增134.2亿元。

6 month，The local financial institutions balance is 2.1433 trillion yuan，Year-on-year growth of 15.6%，In the first quarter than rebounded 1.4%，Above the national 2.4%。New lending in the first half of 126.45 billion yuan，Add up 13.42 billion yuan。

　　上半年个人存款持续多增

Personal savings last increase in the first half

　　“存款扭转一季度少增态势，增速企稳回升；信贷支持重点突出，加大了对实体经济的支持。”人行长沙中心支行副行长张瑞怀介绍，6月末，全省金融机构本外币存款余额21433亿元，同比增长15.6%，高于全国2.4个百分点；上半年新增存款1989.7亿元，同比多增52.1亿元，其中二季度同比多增346亿元。其中，上半年全省单位存款新增371.2亿元，同比少增190.6亿元，但二季度新增505.3亿元，同比多增277.3亿元，扭转了一季度少增态势，表明二季度我省企业单位资金面出现好转。

“Deposit reverse quarter increased less trend，Stabilising growth bounce back；Credit support focused，Stepped up to the real economy support。”Pedestrian changsha central subbranch ZhangRuiHuai, vice governor of the introduction，6 month，The local financial institutions balance is 2.1433 trillion yuan，Year-on-year growth of 15.6%，Above the national 2.4%；New deposits in the first half of 198.97 billion yuan，Add up 5.21 billion yuan，In the second quarter of 34.6 billion yuan add up。Among them，The new unit in the first half of 37.12 billion yuan deposit，By 19.06 billion yuan less year-on-year，But in the second quarter of new 50.53 billion yuan，Add up 27.73 billion yuan，Turn the quarter increased less trend，In the second quarter of that province enterprise unit financing area appears better。

　　上半年，全省个人存款新增1529.5亿元，同比多增262.5亿元。个人存款持续多增，表明居民投资、消费意愿不强，持币观望氛围强烈。

In the first half，The new personal deposit 152.95 billion yuan，Add up 26.25 billion yuan。Personal savings last increase，Show that residents investment、Consumption will not strong，The strong currency wait-and-see atmosphere。

　　贷款利率呈震荡下行态势

Mortgage rates are descending trend of concussion

　　信贷方面，今年上半年，全省金融业贯彻国家宏观调控政策，继续加大重点领域信贷支持力度。一是重点支持交通运输、电力等基础设施建设。上半年，全省中长期贷款新增782.1亿元，同比多增26.7亿元，重点支持了交通运输、电力等基础设施建设。二是重点支持农业、中小企业等薄弱环节。一季度，全省涉农贷款新增212.1亿元，同比多增32.3亿元；上半年，全省新增中小企业贷款481.6亿元，同比多增92.4亿元。

Credit aspects，In the first half of this year，The financial industry to implement state macro-control policies，Continue to increase the key fields credit support。One is the key support transportation、The power and the infrastructure。In the first half，The new medium and long-term loans of 78.21 billion yuan，Add up 2.67 billion yuan，Key support the transportation、The power and the infrastructure。2 it is key support agriculture、Small and medium-sized enterprise weak links。quarter，The new agriculture loan 21.21 billion yuan，Add up 3.23 billion yuan；In the first half，The small and medium-sized enterprise new loan of 48.16 billion RMB，Add up 9.24 billion yuan。

　　在楼市调控政策的背景下，房地产贷款增长出现小幅“回暖”迹象。截至2012年6月末，全省房地产贷款余额2529.3亿元，同比增长18.4%，比5月提高0.8个百分点，同比下降11.7个百分点。1-6月新增236.9亿元，同比少增14.7亿元，其中房地产开发贷款余额702.3亿元，增长11.6%，同比下降9.3个百分点；前6个月新增72.5亿元，同比多增45.4亿元；个人购房贷款余额1823.2亿元，增长21.4%，同比下降15.5个百分点；前6个月新增163.3亿元，同比少增44.5亿元；6月当月，全省房地产贷款新增58.9亿元，为前6个月新增最高。

In the property market under the background of adjustment and control policies，Real estate loan growth mild“warmed”signs。By the end of June 2012，The real estate loan balance of 252.93 billion yuan，Year-on-year growth of 18.4%，Than may increase 0.8%，11.7% year-on-year drop。1-6 month new 23.69 billion yuan，By 1.47 billion yuan less year-on-year，Including real estate development loan balance of 70.23 billion yuan，11.6% increase，9.3% year-on-year drop；The first six months increased by 7.25 billion yuan，Add up 4.54 billion yuan；Personal purchase loan balance of 182.32 billion yuan，21.4% increase，15.5% year-on-year drop；The first six months increased by 16.33 billion yuan，By 4.45 billion yuan less year-on-year；June that month，The real estate loans increased by 5.89 billion yuan，For six months before new supreme。

　　值得关注的是，随着银根放宽以及降息等因素影响，全省银行业的贷款利率水平呈现震荡下行态势。据统计，今年6月份，全省银行业贷款的平均利率水平在8%左右，为去年11月以来的最低值。

There is concern，With monetary easing and cut interest rates and other factors，The banking loan interest rate level downward trend of present concussion。According to the statistics，In June this year，The average interest rate level of banking loan at around 8%，For the lowest since last November。

　　人行长沙中心支行6月份监控到的执行基准利率和下浮利率的贷款占比，环比分别提高了4.9%和1%。首套房落实差别化利率政策以来，5月份湖南有81%的首套房贷款客户享受了基准利率，有1.6%的首套房贷款客户享受到了贷款利率下浮。

A central subbranch of changsha in June to monitor the implementation of the benchmark interest rates and floating rate loans accounted for more than，Annulus comparing increased by 4.9% and 1% respectively。The first suite implement differentiation interest rates since the policy，In may with 81% of hunan loan customers enjoy the first suite benchmark interest rate，1.6% of the loan customers enjoy the first suite past loan interest rate。