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China's new credit data
Month The month (100 million yuan) Year-on-year growth Growth in the ring Accumulated (100 million yuan) Year-on-year growth
                        December 2018                         9281.46                         60.87%                         -24.56%                         156712.41                         13.21%
                        November 2018                         12302.33                         7.65%                         72.27%                         147430.95                         11.13%
                        October 2018                         7141.28                         7.63%                         -50.20%                         135128.62                         11.46%
                        September 2018                         14341.00                         20.67%                         9.14%                         127987.33                         11.68%
                        August 2018                         13140.00                         14.60%                         2.17%                         113,646.34                         10.64%
                        July 2018                         12861.15                         40.54%                         -23.39%                         100506.34                         10.15%
                        June 2018                         16787.34                         15.98%                         47.31%                         87645.18                         6.76%
                        May 2018                         11396.18                         -3.26%                         3.72%                         70857.84                         4.78%
                        April 2018                         10987.35                         1.68%                         -3.83%                         59461.66                         6.48%
                        March 2018                         11424.57                         -1.39%                         12.01%                         48,474.31                         7.63%
                        February 2018                         10199.49                         -1.14%                         -62.01%                         37049.74                         10.76%
                        January 2018                         26850.25                         16.07%                         365.38%                         26850.25                         16.07%
                        December 2017                         5769.49                         -41.97%                         -49.52%                         138432.39                         11.30%
                        November 2017                         11428.46                         35.04%                         72.24%                         132,662.90                         15.93%
                        October 2017                         6635.25                         10.40%                         -44.17%                         121234.44                         14.41%
                        September 2017                         11884.84                         -5.89%                         3.65%                         114599.19                         14.65%
                        August 2017                         11466.15                         43.88%                         25.29%                         102,714.34                         17.62%
                        July 2017                         9151.56                         101.12%                         -36.77%                         91248.19                         14.98%
                        June 2017                         14474.35                         10.15%                         22.87%                         82096.63                         9.74%
                        May 2017                         11780.36                         25.67%                         9.02%                         67,622.28                         9.66%
Relevant information
definition
The first time a borrower makes a loan to the bank is called a new loan. If the loan expires, the company will repay the loan and re-apply for the loan. This is also called a new loan. If the loan expires, the company cannot repay the loan normally. If the bank proposes to borrow the second loan to repay the first loan, it will call the new one.
importance
Gao: “Credit”, that is, a credit loan, refers to a loan issued in the creditworthiness of the borrower, and the borrower does not need to provide a guarantee. The characteristic is that the debtor can obtain the loan only by virtue of his own credit without providing collateral or third-party guarantee, and the credit degree of the borrower is used as the repayment guarantee. This kind of credit loan is the main way of lending by banks in China for a long time. Due to the high risk of this type of loan, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, management level, and development prospects to reduce risks.
Data Sources
People's Bank of China