【《财经》(博客,微博)综合报道】 【《financial》(blog,Micro bo)Comprehensive report】

　　央行19日发布的《2012年上半年金融机构贷款投向统计报告》显示，“上半年我国银行贷款投向呈现出固定资产贷款增速回升、企业中长期贷款回落、房地产贷款增速回升等特点。”

The central bank released 19《In the first half of 2012 financial institution loans to the statistical report》display，“In China in the first half of the bank loan to present a fixed assets loan growth picks up、Enterprise long-term and medium-term loans dropped、Real estate loan growth picks up etc。”

　　数据显示，6月末，主要金融机构房地产贷款余额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%，比一季度占比高2个百分点。

Data display，At the end of June，Major financial institutions and real estate loan balance is 11.32 trillion yuan，Year-on-year growth of 10.3%，Growth than the previous quarter 0.2% higher at the end；In the first half of an increase of 565.3 billion yuan，Year-on-year increase 227.1 billion yuan less，In the first half of the same period of the loan increment of 12.3% of the increment，In the first quarter than accounted for 2% higher than。

　　其中，房地产开发贷款增速出现了自2010年年底以来的首次反弹。

the，Real estate development loans growth appeared since 2010 for the first time since the end of the rally。

　　数据显示，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。

Data display，At the end of June，Real estate development loan balance is 803.7 billion yuan，Year-on-year growth of 0.8%，Growth than the previous quarter 8.8% higher at the end；Real estate development loan balance is 2.92 trillion yuan，Year-on-year growth of 11.3%，Growth than the previous quarter 0.3% higher at the end。

　　而之前的一季度以及2011年全年，房地产开发贷款余额的增速均呈现放缓态势。

The previous quarter and full year 2011，Real estate development loan balance growth slowdown in all present situation。

　　值得注意的是，保障性住房贷款增量占据房产开发贷增量的近半数。

It is important to note that，Indemnificatory housing loan increment occupy real estate development credit incremental nearly half。

　　数据显示，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%，比一季度占比高2.6个百分点。

Data display，At the end of June，Indemnificatory housing development loan balance is 478.4 billion yuan，Year-on-year growth of 62.7%，Growth than the previous quarter 1% lower at the end。In the first half of an increase of 86.9 billion yuan，The same period accounted for 49.7% of the growth in real estate development loans，In the first quarter than accounted for 2.6% higher than。

　　另外，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。

In addition，Personal housing mortgage balance is 7.49 trillion yuan，Year-on-year growth of 11%，Growth than the previous quarter 1.1% lower at the end；In the first half of an increase of 345.5 billion yuan，Year-on-year increase 222 billion yuan less。