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2016年1月人民币贷款增加2.51万亿元,同比多增1.04万亿元。中长期贷款的多增是贷款多增的主要原因。前期稳增长政策催生的各种基建等投资项目促进信贷需求的提升,加之2016年是“十三五”开局之年,各类项目推进实施带动企业中长期贷款的增长。居民中长期贷款的增长则主要得益于2015年以来,随着政策面的逐步宽松,一线城市房地产市场回暖对按揭贷款的拉动作用。
In January 2016, RMB loans increased by 2.51 trillion yuan, an increase of 1.04 trillion yuan more than the same period of last year. The increase in long-term loans is the main reason for the increase in loans. Investment projects such as various infrastructural projects promoted by the previous steady growth policies promoted the growth of credit demand. In 2016, the year of “13th Five-Year Plan” started. Various projects promoted the implementation of medium and long-term loans to enterprises. The growth of long-term and medium-term loans to residents mainly benefited from the gradual easing of policies and the stimulating effect of the real estate market in first-tier cities on mortgage lending since 2015.