2018年一季度全市金融形势分析报告
<p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">2018年一季度，明光市存贷款均保持增长态势，金融运行情况良好。截至一季度末，各项存款余额<span style="border: 0px none;">239.16</span>亿元，比年初增加<span style="border: 0px none;">13.40</span>亿元，增幅为<span style="border: 0px none;">5.94%</span>，增量、增幅均位列滁州六县（市<span style="border: 0px none;">)</span>末位；各项贷款余额<span style="border: 0px none;">152.68</span>亿元，比年初增加<span style="border: 0px none;">8.19</span>亿元，增幅为<span style="border: 0px none;">5.67%</span>，增幅、增量分别位列滁州六县第三、四位。新增存贷比为<span style="border: 0px none;">61.09%</span>。<b><span style="border: 0px none;"></span></b></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 27pt;"><b> </b><b>一、贷款增长较快，住户贷款增长较多</b><b></b></p><table class="MsoNormalTable" border="1" cellspacing="0" cellpadding="0" align="left" style="font-family: 'Microsoft YaHei'; color: rgb(51, 51, 51); line-height: 36.8px; border: none;"><tbody><tr><td width="553" colspan="12" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-size: 16pt; font-family: 仿宋_GB2312;"> </span><span style="border: 0px none; font-family: 仿宋_GB2312;">2018</span><span style="border: 0px none; font-family: 仿宋_GB2312;">年<span style="border: 0px none;">3</span>月明光市各机构贷款余额、增量和增幅一览表<span style="border: 0px none;"></span></span></p><p class="MsoNormal" align="right" style="border: 0px none; text-align: right;"><span style="border: 0px none; font-family: 仿宋_GB2312;">单位：万元、<span style="border: 0px none;">%</span></span></p></td></tr><tr><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;"> </span></p></td><td width="55" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">合计<span style="border: 0px none;"></span></span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">工行<span style="border: 0px none;"></span></span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">农行<span style="border: 0px none;"></span></span></p></td><td width="51" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">中行<span style="border: 0px none;"></span></span></p></td><td width="40" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">建行<span style="border: 0px none;"></span></span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">农发行<span style="border: 0px none;"></span></span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">农商行<span style="border: 0px none;"></span></span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">邮储<span style="border: 0px none;"></span></span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">徽商<span style="border: 0px none;"></span></span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">民丰<span style="border: 0px none;"></span></span></p></td><td width="46" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">富民<span style="border: 0px none;"></span></span></p></td></tr><tr><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">余额<span style="border: 0px none;"></span></span></p></td><td width="55" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">1526838</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" style="border: 0px none;"><span style="border: 0px none; font-family: 仿宋_GB2312;">114930</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">137048</span></p></td><td width="51" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" style="border: 0px none;"><span style="border: 0px none; font-family: 仿宋_GB2312;"> 145050</span></p></td><td width="40" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">91785</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">297623</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">572392</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">52591</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">65441</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">49978</span></p></td><td width="46" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">6109</span></p></td></tr><tr><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">比年初<span style="border: 0px none;"></span></span></p></td><td width="55" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">81894</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">4587</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">6942</span></p></td><td width="51" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" style="border: 0px none;"><span style="border: 0px none; font-family: 仿宋_GB2312;"> 25941</span></p></td><td width="40" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">6381</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">-1000</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" style="border: 0px none;"><span style="border: 0px none; font-family: 仿宋_GB2312;"> 24959</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">2919</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">7572</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">3592</span></p></td><td width="46" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">-29</span></p></td></tr><tr><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">增幅<span style="border: 0px none;"></span></span></p></td><td width="55" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">5.67</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">4.16</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">5.34</span></p></td><td width="51" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">21.78</span></p></td><td width="40" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">7.47</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">-0.33</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">4.56</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">5.88</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">13.08</span></p></td><td width="45" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">7.74</span></p></td><td width="46" style="padding: 0px; border-width: 1pt; border-color: windowtext;"><p class="MsoNormal" align="center" style="border: 0px none; text-align: center;"><span style="border: 0px none; font-family: 仿宋_GB2312;">-0.47</span></p></td></tr></tbody></table><p class="MsoNormal" align="left" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">截至一季度末，明光市各项贷款余额<span style="border: 0px none;">152.68</span>亿元，比年初增加<span style="border: 0px none;">8.19</span>亿元，增幅为<span style="border: 0px none;">5.67%</span>，增量比去年多增加<span style="border: 0px none;">0.89</span>亿元，增量占六县增量合计的<span style="border: 0px none;">14.24%</span>。其中：住户贷款余额<span style="border: 0px none;">76.57</span>亿元，比年初增加<span style="border: 0px none;">5.03</span>亿元，存量贷款占比<span style="border: 0px none;">50.15%</span>。增量占比为<span style="border: 0px none;">61.43%</span>；非金融企业及机关团体贷款余额<span style="border: 0px none;">76.12</span>亿元，比年初增加<span style="border: 0px none;">3.16</span>亿元，存量贷款占比<span style="border: 0px none;">49.85%</span>，增量占比为<span style="border: 0px none;">,38.57%</span>。票据融资余额<span style="border: 0px none;">4.38</span>亿元，比年初增加<span style="border: 0px none;">0.80</span>亿元，增幅为<span style="border: 0px none;">22.74%</span>。截至一季度末，明光市各机构贷款余额、增量、增幅及占比情况如下列图、表：<span style="border: 0px none;"></span></p><p class="MsoNormal" align="left" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 21pt;"><span style="border: 0px none;"></span></p><p class="MsoNormal" align="left" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 21pt;"><span style="border: 0px none;"><img width="553" height="254" src="file:///C:/Users/wzl/AppData/Local/Temp/msohtmlclip1/01/clip_image004.png" style="border: 0px none; max-width: 1000px;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">（一）中行贷款增势迅猛，农发行贷款略有减少。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32.15pt;"><b>1.</b><b>明光中行加大投放力度，支持棚改项目。</b>截至一季度末，明光中行各项贷款余额<span style="border: 0px none;">14.51</span>亿元，比年初增加<span style="border: 0px none;">2.59</span>亿元，占明光全辖各项贷款增量的<span style="border: 0px none;">31.68%</span>，增幅为<span style="border: 0px none;">21.78%</span>，增幅、增量均位列明光首位。主要是明光中行加大项目贷款投放力度：对明光市跃龙发展有限公司投放<span style="border: 0px none;">1.6</span>亿元棚改项目贷款，对瑞通燃气管道有限公司投放<span style="border: 0px none;">0.32</span>亿元项目贷款。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32.15pt;"><b>2.</b><b>明光农商行贷款增幅较低，增量较大。</b>截至一季度末，明光农商行各项贷款余额<span style="border: 0px none;">57.24</span>亿元，比年初增加<span style="border: 0px none;">2.50</span>亿元，增幅为<span style="border: 0px none;">4.56%</span>。增幅比较靠后，主要是基数较大的原因所致，但增量较多，位列明光各金融机构第二位，增量占比为<span style="border: 0px none;">30.59%</span>。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32.15pt;"><b>3.</b><b>农发行贷款略有降低。</b>截至一季度末，明光农发行贷款余额<span style="border: 0px none;">29.76</span>亿元，比年初减少<span style="border: 0px none;">0.10</span>亿元，主要是<span style="border: 0px none;">3</span>月份收回明光市桂花面粉有限公司贷款<span style="border: 0px none;">1000</span>万元。一季度贷款变化很小，主要是明光农发行积极进行教育扶贫贷款和医疗扶贫贷款的贷前审核工作，目前审核工作已经完成，开始进入上报待批阶段。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32.15pt;"><b>4.</b><b>票据融资增长较多，债券投资有所减少。</b>截至一季度末，票据融资余额<span style="border: 0px none;">4.37</span>亿元，较年初增加<span style="border: 0px none;">0.80</span>亿元，增幅为<span style="border: 0px none;">22.40%</span>，票据融资集中在明光农商行一家。债券投资约<span style="border: 0px none;">6.20</span>亿元，比年初减少<span style="border: 0px none;">1.40</span>亿元，为债券到期正常收回，同样仅反映在明光农商行一家。票据转贴现存在着较大的资金风险，央行在维护金融稳定的前提下，严控地方法人金融机构购置票据，明光农商行一季度存款增量较大，购买票据、债券实属无奈之举。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32.15pt;"><b>（二）多数分行业贷款增长，个人贷款存量、增量占比最高。<span style="border: 0px none;"></span></b></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32.15pt;"><b>1.</b><b>存量情况。</b>截至一季度末，“个人贷款及透支”贷款余额<span style="border: 0px none;">76.57</span>亿元，占比<span style="border: 0px none;">50.15%</span>；“水利、环境和公共设施管理业”贷款余额<span style="border: 0px none;">25.99</span>亿元，占比<span style="border: 0px none;">17.02%</span>；“制造业”贷款余额<span style="border: 0px none;">17.89</span>亿元，占比<span style="border: 0px none;">11.72%</span>；“租赁和商务服务业”贷款余额<span style="border: 0px none;">5.53</span>亿元，占比<span style="border: 0px none;">3.62%</span>；“批发和零售业”贷款余额<span style="border: 0px none;">4.58</span>亿元，占比<span style="border: 0px none;">3.00%</span>；“公共管理、社会保障和社会组织”贷款余额<span style="border: 0px none;">3.98</span>亿元，占比<span style="border: 0px none;">2.61%</span>；“贴现”余额<span style="border: 0px none;">4.38</span>亿元，占比<span style="border: 0px none;">2.87%</span>；其他<span style="border: 0px none;">10</span>个行业贷款余额合计<span style="border: 0px none;">13.76</span>亿元，占比<span style="border: 0px none;">9.02%</span>。</p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px;"><b> 2.</b><b>增量情况。</b>“个人贷款及透支”贷款比年初增加<span style="border: 0px none;">5.03</span>亿元，增幅为<span style="border: 0px none;">7.03%</span>，增量占比为<span style="border: 0px none;">61.43%</span>；“房地产业”贷款比年初增加<span style="border: 0px none;">1.66</span>亿元，增幅为<span style="border: 0px none;">414.96%</span>，增量占比为<span style="border: 0px none;">20.27%</span>；“票据融资”比年初增加<span style="border: 0px none;">0.81</span>亿元，增幅为<span style="border: 0px none;">22.74%</span>，增量占比为<span style="border: 0px none;">9.92%</span>；“制造业”贷款比年初增加<span style="border: 0px none;">0.34</span>亿元，增幅为<span style="border: 0px none;">1.93%</span>，增量占比为<span style="border: 0px none;">4.13%</span>；“批发和零售业”贷款比年初增加<span style="border: 0px none;">0.33</span>亿元，增幅为<span style="border: 0px none;">7.68%</span>，增量占比为<span style="border: 0px none;">3.99%</span>；“电力、热力、燃气及水生产和供应业”贷款比年初增加<span style="border: 0px none;">0.27</span>亿元，增幅为<span style="border: 0px none;">15.35%</span>，增量占比为<span style="border: 0px none;">3.35%</span>；“租赁和商务服务业”、“卫生和社会工作”和“住宿和餐饮业”等<span style="border: 0px none;">6</span>个行业贷款贷款有不同程度的减少。</p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">（三）房地产开发贷款增幅较大，个人购房贷款占比较高。截至一季度末，明光市各项房地产贷款余额<span style="border: 0px none;">55.61</span>亿元，比年初增加<span style="border: 0px none;">3.60</span>亿元，增幅为<span style="border: 0px none;">6.92%</span>。其中购房贷款余额<span style="border: 0px none;">50.85</span>亿元，比年初增加<span style="border: 0px none;">3.66</span>亿元，增幅为<span style="border: 0px none;">7.75%</span>；房地产开发贷款余额<span style="border: 0px none;">4.36</span>亿元，比年初减少<span style="border: 0px none;">0.10</span>亿元，降幅为<span style="border: 0px none;">2.24%</span>；证券化的房地产贷款余额<span style="border: 0px none;">0.40</span>亿元，比年初增加<span style="border: 0px none;">437</span>万元，增幅为<span style="border: 0px none;">0.72%</span>。受国家房地产调控政策影响，明光市各金融机构投放房地产开发贷款，一季度明光中行投放住房开发贷款<span style="border: 0px none;">1.80</span>亿元，是用于棚户区改造项目贷款。居民购房热情有所高涨，住房贷款余额<span style="border: 0px none;">50.85</span>亿元，比年初增加<span style="border: 0px none;">3.66</span>亿元，增幅为<span style="border: 0px none;">7.75%</span>；个人商用房贷款余额<span style="border: 0px none;">4.41</span>亿元，与年初基本持平。购房贷款贷款占比高达<span style="border: 0px none;">91.44%</span>，全部是个人购房贷款，其中个人住房贷款占比<span style="border: 0px none;">91.33%</span>、个人商业用房贷款占比<span style="border: 0px none;">8.67%</span>。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">（四）贷款质量下降，不良贷款增加。截至一季度末，明光市不良贷款余额<span style="border: 0px none;">3.18</span>亿元，比年初增加<span style="border: 0px none;">0.74</span>亿元，不良贷款率为<span style="border: 0px none;">2.04%</span>，比年初上升<span style="border: 0px none;">0.39</span>各百分点；关注类贷款余额<span style="border: 0px none;">7.66</span>亿元，比年初增加<span style="border: 0px none;">0.63</span>亿元，关注类贷款占比为<span style="border: 0px none;">5.02%</span>；其中明光农商行不良贷款率为<span style="border: 0px none;">4.45%</span>，比年初上升<span style="border: 0px none;">1.15</span>个百分点。</p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32.15pt;"><b>二、各项存款增势低迷，增量、增幅排名末位<span style="border: 0px none;"></span></b></p><p class="MsoNormal" align="left" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">截至一季度末，明光市各项存款余额<span style="border: 0px none;">239.16</span>亿元，较年初增加<span style="border: 0px none;">13.41</span>亿元，比去年同期增量减少<span style="border: 0px none;">1.63</span>亿元，增幅为<span style="border: 0px none;">5.94%</span>。增量、增幅均在滁州市全辖六县中排名末位，占六县存款增量合计的<span style="border: 0px none;">10.34%</span>。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">（一）住户存款增长较为突出。截至一季度末，住户存款余额<span style="border: 0px none;">152.62</span>亿元，比年初增加<span style="border: 0px none;">17.21</span>亿元，增幅为<span style="border: 0px none;">12.71%</span>， 增量比去年同期增加<span style="border: 0px none;">4.89</span>亿元。其中，活期存款余额<span style="border: 0px none;">57.93</span>亿元，比年初增加<span style="border: 0px none;">6.56</span>亿元，增幅为<span style="border: 0px none;">12.77%</span>；定期及其他存款余额<span style="border: 0px none;">94.69</span>亿元，比年初增加<span style="border: 0px none;">10.64</span>亿元，增幅为<span style="border: 0px none;">12.66%</span>。住户存款增量为各项存款增量合计的<span style="border: 0px none;">1.28</span>倍。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">（二）非金融机构企业存款大幅减少。截至一季度末，非金融机构企业存款余额<span style="border: 0px none;">41.23</span>亿元，比年初减少<span style="border: 0px none;">4.64</span>亿元，降幅为<span style="border: 0px none;">10.11%</span>。其中：活期存款余额<span style="border: 0px none;">34.13</span>亿元，比年初减少<span style="border: 0px none;">4.10</span>亿元，降幅为<span style="border: 0px none;">10.73%</span>；定期与其他存款余额<span style="border: 0px none;">7.10</span>亿元，比年初减少<span style="border: 0px none;">0.54</span>亿元，降幅为<span style="border: 0px none;">7.02%</span>。主要是明光农发行支付新型城镇化二期建设、国家粮食储备库、美丽乡村和<span style="border: 0px none;">104</span>绕城线等多项工程款合计<span style="border: 0px none;">3</span>亿元；明光农行存放的财政性存款和农村经营管理总站等涉农资金大量投入春季三农发展。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;">（三）广义政府存款余额有所增加。截至一季度末，广义政府存款余额<span style="border: 0px none;">45.30</span>亿元，比年初增加<span style="border: 0px none;">0.84</span>亿元，增幅为<span style="border: 0px none;">1.90%</span>。其中机关团体存款余额<span style="border: 0px none;">39.97</span>亿元，比年初增加<span style="border: 0px none;">1.29</span>亿元，增幅为<span style="border: 0px none;">3.34%</span>，比同期少增加<span style="border: 0px none;">3.98</span>亿元；财政性存款余额<span style="border: 0px none;">5.33</span>亿元，比年初减少<span style="border: 0px none;">0.45</span>亿元，降幅为<span style="border: 0px none;">7.77%</span>，主要是明光市政府大力开展基础设施建设，存放人民银行的财政库款减少。<span style="border: 0px none;"></span></p><p class="MsoNormal" style="border: 0px none; color: rgb(51, 51, 51); font-family: 'Microsoft YaHei'; line-height: 36.8px; text-indent: 32pt;"> </p><p></p>
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