General Secretary Xi Jinping pointed out，Economy is the body，Finance is blood pulse，Separation and prosperity of the two。On the one hand，The development of the financial industry is based on the real economy，The financial industry itself is also an important part of the national economy，Changes in financial data reflect the operating status of the real economy，To a certain extent, it can be used as a barometer and thermometer for economic development; on the other hand,，The financial industry plays an important resource allocation function，The allocation of financial resources reflects the efficiency of financial support for the real economy。Since 2023，Although my country's macroeconomics still face downward pressure，But the financial system is relatively stable，Some financial data presents a good situation，Reflects the positive factors in my country's economic development。

First，Financial risks are converging。First, the asset quality of financial institutions has improved。Bad assets are a concentrated reflection of financial risks，Since the recent period，The condition of bad assets in my country's financial institutions has improved。Take the banking industry as an example，In the second quarter of 2023，The balance of non -performing loans and non -performing loans of commercial banks in my country is 3200.1 billion yuan and 1.62%，Show a "one liter and one drop" situation compared to the end of 2022。Where，Bad loan balance increased by 217.2 billion yuan compared with the end of 2022，A slight growth rate; the ratio of non -performing loans decreased by 0.01 percentage points compared with the end of 2022，Living a downward trend since 2021，Reflects the improvement of the bet365 live casino games asset quality of my country's financial institutions。Second, the disposal of non -performing assets continues to remain at a high level。Under the background of a downlink of a macroeconomic economy，Accelerating the disposal of non -performing assets is of great significance to resolve the stock financial risk，It provides a guarantee for keeping the bottom line of no systemic financial risk.，Improving the toughness and risk resistance of the financial system。2017-2022，my country's banking financial institutions have accumulated a total of nearly 1.5 trillion yuan in non -performing assets;，Reserved space for the future business development of financial institutions。Third is that real estate financial risks converge。As one of the pillar industries running as a national economy，The real estate industry has an important impact on my country's financial system。Enter 2023，my country's real estate regulation policy obviously shifts，The main tone of the regulatory policy will also change major changes in the future。At the same time，Continuous optimization of real estate regulation policies，Including optimizing purchase restrictions on sale and restrictions、Lower the lowest down payment ratio、Provide house purchase tax subsidies、Allowed second -hand housing to "take the transfer"，etc.。These policy optimizations for supporting rigid and improving housing demand、Preventing and resolving real estate financial risks has played a positive role，It also makes real estate financial risks generally converge。

Second，The overall operation of financial institutions is stable。On the one hand，Good operating performance of financial institutions。Take the banking industry as an example，At the end of the second quarter of 2023，The total assets of commercial banks in my country reached 3.3752 trillion yuan，increased 11.2%from the same period of 2022; from the perspective Bet365 lotto review of profitability，In the second quarter of 2023，Capital profit margin (ROE) and asset profit margin (ROA) of commercial banks in my country are 9.67%and 0.75%; from the perspective of capital adequate situation，Capital adequacy ratio and first -level capital adequacy ratio of commercial banks are 14.66%and 11.78%，Various performance indicators remain at a better level。other，Securities、The operating performance of the insurance industry's financial institutions also remain at a high level。On the other hand，The number of high -risk financial institutions is significantly reduced。June 30, 2023，The Rating results of the central bank's financial institution in the fourth quarter of 2022 announced by the People's Bank of China.，my country's banking financial institutions overall operations are stable，Risks overall controllable。In 4368 participating agencies，The rating results are 4022 institutions with a rating result of 1-7 (low risk)，Assets account for 98.3%of the total assets of all participating institutions，Explain that in terms of the number of institutions or from the total assets，The current risks of my country's financial institutions are very low。Look at it from the regional distribution，High -risk financial institutions are mainly concentrated in individual provinces，Shanghai、Zhejiang, including 10 provinces and cities, there are no high -risk financial institutions，High -risk financial institutions within 13 provinces and cities remain at the level of single digit。From the perspective of development trends，The number of high -risk financial institutions is significantly reduced，decreased by 303 compared with the peak in 2019，Number is nearly half。

Third，Financial support economic strength continues to increase。my country always adheres to the development positioning of financial support for the real economy，Continuously injects financial "living water" for the development bet365 live casino games of the real economy。First, the scale of social financing remains steadily increased。7 months before 2023，The increase in social financing in my country reached 2.208 trillion yuan，increased by 206.9 billion yuan from the same period in 2022; the size of the social financing scale was 36.577 trillion yuan，increased by 8.9%year -on -year，Maintain a steady growth overall。Although the increase in social financing in July 2023 was only 528.2 billion yuan，Below market expectations，But don’t be too pessimistic。First，From the cumulative data，7 months before 2023，The increase in social financing increases by 206.9 billion yuan year -on -year，The overall growth rate remains at a higher level。Next，New RMB loans in June reached 3.24 trillion yuan，A year -on -year increase of 187.3 billion yuan，Good than market expectations，Then a certain overdraft of the credit demand of July。Last，The decline in the increase in the increase in RMB loans in July was mainly caused by the residential department，New RMB loans increased from the same period of 2022，Credit demand keeps stable overall。Second, the cost of corporate financing continues to decline。An important part of the operating cost of the enterprise，The decline in financing costs undoubtedly helps increase the business income of the enterprise。Since 2022，my country's currency policy has always maintained a loose situation，Pumping market liquidity，Guide the cost of financing for enterprises continues to decline。In June 2023, the average interest rate of the new corporate loan was 3.95%，decreased by 0.21 percentage points from the same period of 2022，continued the decline in recent years，Corporate financing costs continue to decline。Third, the RMB exchange rate tends to stabilize。The RMB exchange rate is stable for stable price level、Keep foreign trade stable、It has an important role in reducing bet365 best casino games economic volatility。Basically maintains a balance from macroeconomic indicators and international revenue and expenditure，The RMB exchange rate does not deviate from a reasonable range。Since July 2023，RMB's exchange rate on the US dollar has changed the trend of unilateral devaluation，fluctuations tend to be stable。With the end of the US dollar rate hike cycle，The pressure of the depreciation of the renminbi decreases，In the future, the RMB exchange rate is expected to fluctuate in two -way near reasonable equilibrium level。

Fourth，Credit delivery structure is continuous optimization。While the total amount of credit increases，Micro -credit release structure is also constantly optimizing，Helps improve the efficiency of the real economic efficiency。First, the credit sale is inclined to the enterprise department。Enterprise is the main carrier of creating wealth in economic development。In the first half of 2023，China's enterprise (affairs) industry units loans of 1.2.81 trillion yuan，increased by 1.42 trillion yuan year -on -year，81.5%of the total credit increase，Occupy the main position in the loan increase。Second, further optimization of the corporate loan industry。In the first half of 2023，New loans of Chinese financial institutions are mainly invested in manufacturing、Infrastructure industry and other key areas，Loans in the real estate industry also resume growth trend，The situation of "getting rid of reality" in financial resources has improved，Further optimization of the corporate loan industry。Third, the period of corporate loan period structure presents medium and long -term。At the end of June 2023，my country's financial institutions invested in the manufacturing industry for medium- and long -term loans increased by 40.3%year -on -year，10.7 percentage points higher than the same period in 2022，22.3 percentage points higher than the growth rate of medium- and long Bet365 app download -term loans of all industries; of which，Medium- and long -term loans investing towards high -tech manufacturing increased by 41.5%year -on -year，11.5 percentage points higher than the same period in 2022。Another，The growth of medium- and long -term loans to the infrastructure industry is also faster。At the end of June，In the infrastructure industry, the medium- and long -term loans of the infrastructure industry increased by 15.8%year -on -year，3.3 percentage points higher than the same period in 2022。Fourth, personal loans are more invested in the business field。In the first half of 2023，my country's new resident loans are mainly flowing to personal business fields。Where，Personal business loan adds 2.3 trillion yuan，increased by 759.3 billion yuan year -on -year; personal short -term consumer loans increased by 300.9 billion yuan，401.9 billion yuan year -on -year。Five is to strengthen the credit support of the disadvantaged groups。Private Enterprise、Private Enterprise、The main body of agricultural -related agriculture is in a weak position in economic development，The support of credit funds in the above fields in recent years has continued to increase。At the end of June 2023，The balance of the loans of various loans in the financial institutions in our country is 2.3.058 trillion yuan，increased by 11.3%year -on -year。Where，The balance of inclusive small and micro loans is 27.69 trillion yuan，increased by 26.1%year -on -year，The growth rate is 2.3 percentage points higher than the end of 2022; the balance of loans of farmers' production and operation of 8.86 trillion yuan，increased by 18.3%year -on -year，The growth rate of two types of loans is higher than all loans，Reflect that credit support for these areas is continuing to increase。

What needs to be pointed out is，Financial development is always accompanied by risks。Although some financial data has recently changed in recently，But financial risks in some areas are still more prominent。bet365 live casino games So，Coordinated financial development and financial security，While exerting the function of the financial industry's resource allocation function, prevent and resolve major financial risks，It is still the most important for promoting high -quality economic development。

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