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2007年6月末,中国金融机构本外币各项存款余额38.21万亿元,同比增长15.31%。今年以来,由于股市上涨较快、成交量较大,分流了一部分居民储蓄存款,储蓄存款增幅明显减缓。金融机构本外币各项贷款增长较快,余额26.49万亿元,同比增长16.25%。上半年虽然中央出台一系列紧缩性政策,但由于政策时滞等原因,宏观经济和金融体系从整体上看仍然流动性充裕,银行贷款投放规模较大,这也是上半年银行业绩超预期增长的原因之一。下半年,随着紧缩性政策的继续出台以及上半年政策效果的逐渐释放,银行贷款投放冲动将可能受到一定限制,但相对于去年,银行全年业绩仍将保持平稳增长。
By the end of June 2007, the balance of deposits in both domestic and foreign currencies of China’s financial institutions was 38.21 trillion yuan, up 15.31% over the same period of last year. Since the beginning of this year, due to the rapid rise of the stock market and the large volume of transactions, some residents’ savings deposits have been diverted and the growth rate of savings deposits has obviously slowed down. All loans in both domestic and foreign currencies of financial institutions increased rapidly with a balance of 26.49 trillion yuan, up 16.25% over the same period of last year. Although the central government introduced a series of tightening measures in the first half of the year, the macroeconomic and financial systems as a whole still have abundant liquidity and large-scale bank loans due to policy lags and other reasons. This is also an unexpected increase in the first half of the banking sector one of the reasons. In the second half of the year, with the continuous introduction of the tightening policy and gradual release of policy effects in the first half of the year, the impulse to bank loans will likely be limited. However, as compared with last year, the bank’s annual results will continue to grow steadily.