【金融】央行：前四个月人民币贷款增加10.19万亿元
<p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"><span style="font-weight: 700 !important;">一、广义货币增长7.2%</span></p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 4月末，广义货币（M2）余额301.19万亿元，同比增长7.2%。狭义货币（M1）余额66.01万亿元，同比下降1.4%。流通中货币（M0）余额11.73万亿元，同比增长10.8%。前四个月净投放现金3866亿元。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> <span style="font-weight: 700 !important;">二、前四个月人民币贷款增加10.19万亿元</span></p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 4月末，本外币贷款余额252.41万亿元，同比增长9.1%。月末人民币贷款余额247.78万亿元，同比增长9.6%。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 前四个月人民币贷款增加10.19万亿元。分部门看，住户贷款增加8134亿元，其中，短期贷款增加50亿元，中长期贷款增加8084亿元；企（事）业单位贷款增加8.63万亿元，其中，短期贷款增加2.56万亿元，中长期贷款增加6.61万亿元，票据融资减少6619亿元；非银行业金融机构贷款增加4943亿元。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 4月末，外币贷款余额6509亿美元，同比下降11.7%。前四个月外币贷款减少55亿美元。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> <span style="font-weight: 700 !important;">三、前四个月人民币存款增加7.32万亿元</span></p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 4月末，本外币存款余额297.45万亿元，同比增长6.4%。月末人民币存款余额291.59万亿元，同比增长6.6%。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 前四个月人民币存款增加7.32万亿元。其中，住户存款增加6.71万亿元，非金融企业存款减少1.65万亿元，财政性存款减少1874亿元，非银行业金融机构存款增加1.23万亿元。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 4月末，外币存款余额8252亿美元，同比下降6.4%。前四个月外币存款增加273亿美元。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> <span style="font-weight: 700 !important;">四、4月份银行间人民币市场同业拆借月加权平均利率为1.87%，质押式债券回购月加权平均利率为1.86%</span></p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 4月份银行间人民币市场以拆借、现券和回购方式合计成交183.82万亿元，日均成交8.36万亿元，日均成交同比下降0.9%。其中，同业拆借日均成交同比下降30.1%，现券日均成交同比增长34.1%，质押式回购日均成交同比下降4.9%。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 4月份同业拆借加权平均利率为1.87%，比上月低0.01个百分点，比上年同期高0.18个百分点。质押式回购加权平均利率为1.86%，比上月低0.05个百分点，比上年同期高0.09个百分点。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 注1：当期数据为初步数。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 注2：自2015年起，人民币、外币和本外币存款含非银行业金融机构存放款项，人民币、外币和本外币贷款含拆放给非银行业金融机构的款项。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 注3：报告中的企（事）业单位贷款是指非金融企业及机关团体贷款。</p><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 注4：自2022年12月起，“流通中货币（M0）”含流通中数字人民币。12月末流通中数字人民币余额为136.1亿元。修订后，2022年各月末M1、M2增速无明显变化。修订后M0增速如下：</p><table class="tb01" width="550" align="center"><tbody><tr class="firstRow"><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><br/></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.01</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.02</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.03</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.04</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.05</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.06</p></td></tr><tr><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">流通中货币（M0）</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">18.5%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">5.8%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">10.0%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">11.5%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">13.5%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">13.9%</p></td></tr><tr><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><br/></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.07</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.08</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.09</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.10</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.11</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">2022.12</p></td></tr><tr><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">流通中货币（M0）</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">13.9%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">14.3%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">13.6%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">14.4%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">14.1%</p></td><td style="margin: 0px; padding: 0px 5px; text-size-adjust: 100%; border-bottom-color: rgb(198, 216, 238); border-left-color: rgb(198, 216, 238); border-right: none; border-top: none; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; font-size: 12px; line-height: 19.68px;"><p style="margin-top: 5px; margin-bottom: 5px; text-size-adjust: 100%;">15.3%</p></td></tr></tbody></table><p style="margin-top: 0px; margin-bottom: 30px; padding: 0px; text-size-adjust: 100%; color: rgb(77, 79, 83); font-family: "Microsoft Yahei", 微软雅黑, "STHeiti Light", 华文细黑, SimSun, 宋体, Arial, sans-serif; font-size: 18px; letter-spacing: 1px; white-space: normal;"> 注5：自2023年1月起，中国人民银行将消费金融公司、理财公司和金融资产投资公司等三类银行业非存款类金融机构纳入金融统计范围。2023年1月末，三类机构贷款余额8410亿元，当月增加57亿元；存款余额222亿元，当月增加27亿元。文中数据均按可比口径计算。</p><p><br/></p> 也没发到我手上，我感受不了所谓的大变化，没感觉啊 看来银行间市场的利率也挺关键的，人民银行可是在把控啊！拆借、回购，这些名词好像有点高深，但是利率下降了，对我们普通老百姓是不是有点好消息？ 如奕888 发表于 2024-05-12 15:48:22看来银行间市场的利率也挺关键的，人民银行可是在把控啊！拆借、回购，这些名词好像有点高深，但是利率下降了，对我们普通老百姓是不是有点好消息？
也许吧，主要感觉还想刺激经济增长，但感觉效果不算好了 这个贷款的增加，不知道能触动多少的经济呀，观察中
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