中国人民银行（中国银监会） recently announced that the country's total loan amount reached 1627万亿元, exceeding expectations. The data shows that the financial system is injecting strong vitality into China's economy.
The financial performance of 2025 can be seen in several key areas: social financing scale increased by 356万亿元; M2 money supply exceeded 340万亿元; and RMB loan balance reached over 270万亿元. These numbers demonstrate the solid support of the financial system for promoting internal consumption, stabilizing economic momentum, and enabling economic growth.
The monetary policy has been precisely targeted in recent years: reducing the deposit reserve rate by 0.5 percentage points, lowering policy interest rates by 0.1 percentage points, and fully adjusting structural monetary policy tools' interest rates by 0.25 percentage points. These measures have seen effective results, not only promoting social financing scale and reasonable credit growth but also driving down loan interest rates to maintain a low level.
The average interest rate for new corporate loans in December was around 3.1%, which is the lowest since 2018's second half. This has provided more enterprises with the courage to embark on production and operation, technological innovation, and other projects.
Financial is the mirror of economic. The flow of over 1627万亿元 in financial "water" reflects changes in economic demand and structure.
The data shows that most new corporate loans (95%) were accurately matched with enterprise needs. Long-term corporate loans accounted for more than half of total new corporate loan amounts, which ensures the continuity of enterprise financing and reflects enterprises' stable expectations for future development.
In terms of areas that attract more funds, it can be seen from credit structure changes. The loan growth rate in fields such as technology, green finance, consumer finance, pension, and digital finance reached 11.5%, 23%, 10.3%, 60.2%, and 14.6% respectively, all higher than the same period's other types of loans.
The increase in funds to strategic areas, key fields, and weak links can be seen from these numbers.
These data are backed by structural monetary policy tools continuously optimized and improved.
The government has been launching new policies such as increasing the amount of RMB financing for technology innovation and repeated investment, setting up a "tech board" on debt markets, establishing a risk-sharing mechanism for technological innovation debts, and promoting consumption and pension re-loans. Since 2025, China has continued to implement these policies to drive financial services towards high-quality development and improvement.
The growth of new industries such as human-machine robots, biological medicine, and high-end equipment manufacturing is speeding up; the rural revitalization project is being carried out smoothly; and new growth points and effective demand are emerging continuously, becoming a driving force for China's high-quality economic development.
As the New Year begins, major projects are seeing positive results, with many regions launching spring consumption seasons, traditional industries experiencing a new surge in vitality, and new industries showing explosive growth... Enterprises must be more courageous to seize opportunities and grab market leadership. Financial support is necessary to provide stable financing for enterprises.
The People's Bank of China (China Central Bank) has announced that it will continue to implement a moderate relaxation of monetary policies in 2026, increasing the countercyclical and cross-cyclical adjustment force, focusing on expanding internal consumption, optimizing supply, and creating a favorable monetary financial environment for economic stable growth, high-quality development, and financial market stability.
The financial performance of 2025 can be seen in several key areas: social financing scale increased by 356万亿元; M2 money supply exceeded 340万亿元; and RMB loan balance reached over 270万亿元. These numbers demonstrate the solid support of the financial system for promoting internal consumption, stabilizing economic momentum, and enabling economic growth.
The monetary policy has been precisely targeted in recent years: reducing the deposit reserve rate by 0.5 percentage points, lowering policy interest rates by 0.1 percentage points, and fully adjusting structural monetary policy tools' interest rates by 0.25 percentage points. These measures have seen effective results, not only promoting social financing scale and reasonable credit growth but also driving down loan interest rates to maintain a low level.
The average interest rate for new corporate loans in December was around 3.1%, which is the lowest since 2018's second half. This has provided more enterprises with the courage to embark on production and operation, technological innovation, and other projects.
Financial is the mirror of economic. The flow of over 1627万亿元 in financial "water" reflects changes in economic demand and structure.
The data shows that most new corporate loans (95%) were accurately matched with enterprise needs. Long-term corporate loans accounted for more than half of total new corporate loan amounts, which ensures the continuity of enterprise financing and reflects enterprises' stable expectations for future development.
In terms of areas that attract more funds, it can be seen from credit structure changes. The loan growth rate in fields such as technology, green finance, consumer finance, pension, and digital finance reached 11.5%, 23%, 10.3%, 60.2%, and 14.6% respectively, all higher than the same period's other types of loans.
The increase in funds to strategic areas, key fields, and weak links can be seen from these numbers.
These data are backed by structural monetary policy tools continuously optimized and improved.
The government has been launching new policies such as increasing the amount of RMB financing for technology innovation and repeated investment, setting up a "tech board" on debt markets, establishing a risk-sharing mechanism for technological innovation debts, and promoting consumption and pension re-loans. Since 2025, China has continued to implement these policies to drive financial services towards high-quality development and improvement.
The growth of new industries such as human-machine robots, biological medicine, and high-end equipment manufacturing is speeding up; the rural revitalization project is being carried out smoothly; and new growth points and effective demand are emerging continuously, becoming a driving force for China's high-quality economic development.
As the New Year begins, major projects are seeing positive results, with many regions launching spring consumption seasons, traditional industries experiencing a new surge in vitality, and new industries showing explosive growth... Enterprises must be more courageous to seize opportunities and grab market leadership. Financial support is necessary to provide stable financing for enterprises.
The People's Bank of China (China Central Bank) has announced that it will continue to implement a moderate relaxation of monetary policies in 2026, increasing the countercyclical and cross-cyclical adjustment force, focusing on expanding internal consumption, optimizing supply, and creating a favorable monetary financial environment for economic stable growth, high-quality development, and financial market stability.
，说明金融体系在促进经济发展方面有强大的活力。 
social financing scale 增加到 356万亿元，这些数据都是很好的预测指标。
同时，根据结构性 monetary policy 规则调整，对外开放和技术创新领域的资金增速要高达 11.5%，这表明中国经济发展方向将继续趋势向高质并且持续增长。 
这次数据很 ấn tượng，国内总贷额超过了预期，说明金融系统确实是给经济带来强大的生命力 
。2025年的财务表现，特别是社会融资的快速增长、M2货币供应量超出预期和RMB贷款余额都很 ấn tượng 
大部分新企业贷款（95%）都被准确地匹配到了企业的需求，这说明金融系统的决策能力非常强大 
。不同领域的loan 增长率也显示出明显的趋势，技术、绿色finance、消费finance和数字 finance 等领域的贷款生长率都高于其他类型的贷款 
。
这次数据告诉我们，金融系统在 Optimized 和改进了结构性 monetary tools 的过程中，确实是给经济带来了强大的生命力 
。
因此，在进入2026年之前，我们需要看到更多企业勇敢地 seized 机会 grab market leadership 
1627万亿元的数值看起来真的是很大，感觉像是金融市场的水龙头一下子就被打开了
。从1627万亿元的总贷额来看，金融系统确实给了经济 inject了强大的生理力 
，才能在长期稳定经济增长方面做出真实的贡献。另外，技术创新和绿色finance领域的资金投入太多了，也许我们需要更多地考虑环境成本 
3.1% 的平均贷款利率也是一个 record low 值，说明企业开始更加自信地去生产和经营。 
1627万亿元的总贷额超出期望，说明经济正在稳步发展 
。最近的政策调整和数据显示，技术、环保、消费等领域的贷款量大幅增长，这是有利于经济发展的 
。同时，也需要借助金融支持来稳定资金流动 
。
金融是经济的镜子，如果“金融水”流动起来，很容易反映出经济的变化 
1627万亿元的总贷出量，让人印象深刻！这 really 是中国经济的强大动力 
。
1627万亿元的贷款额 really surprised everyone. I think the data shows that China's economy is getting stronger and stronger, like a big robot 
expanding its wings. The increase in funds to strategic areas like technology, green finance, and consumer finance makes me feel optimistic about our country's future. But at the same time, I also know that enterprises need more support from financial institutions to be courageous and take risks. That's why the People's Bank of China's plan to relax monetary policies in 2026 is a good idea 
不要说长期投资者的钱被剥夺了价值，而这些钱正被用于短期的经济刺激 
当然，政府的新政策可能在促进经济增长方面有帮助，但我们需要考虑的是，这些增长是否真正的 
传统行业仍然存在着问题，只有通过创新和技术的应用才能找到解决方案 
. 这些数据也证明了中国政府在降低利率和加强结构性 monetary policy 的手段下取得的显著成果。 [
。
。
。这样的平衡关系会带来更稳定的经济增长和金融市场的稳定 
。
, still not very low, 2018's second half was 3.6% 
1630万亿的钱真多啊！