Citizens Have Abandoned The Property Market To Buy Financial Products.

< p > > the world's < a target= "_blank" href= "http://www.91se91.com/" > clothing < /a > a target= "_blank" href= "_blank".

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< p > to work in Ningbo for 5 years, leaflet has finally saved up the first payment of a two room and one hall, but the property market and mortgage policy in the first half of the year have repeatedly delayed her purchase plan.

However, the first payment, the leaflet is not in the bank to eat interest, but for higher income investment and financial management.

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< p > fewer houses and more money.

In Ningbo, countless people like leaflets are changing the pattern of personal savings and loans in the banking sector.

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< p > yesterday, the Ningbo central sub branch of the people's Bank of China released the data on Ningbo's deposit and loan in the first half of this year. Among them, two data growth rates of personal deposits and loans were all down compared with the same period last year.

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< p > < strong > Ningbo deposit and loan balance < /strong > < /p >

< p > < strong > exceeded 14000 billion < /strong > /p >

< p > data released by the Ningbo central sub branch of the people's Bank of China show that the balance of loans and deposits in Ningbo exceeded 14000 billion yuan in May and June respectively.

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At the end of the month of P > 6, the balance of foreign currency deposits in Ningbo was 1 trillion and 416 billion 611 million yuan, an increase of 100 billion 151 million yuan over the beginning of the year, and a slight increase of 1 billion 847 million yuan compared with the previous year. The balance grew by 8.95% over the same period last year, 1.91 percentage points higher than the end of 3.

Among them, the month increased by 45 billion 670 million yuan in June, and the trend was higher at the end of the season.

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At the end of the month of P > 6, the balance of foreign currency loans in Ningbo was 1 trillion and 413 billion 274 million yuan, an increase of 79 billion 174 million yuan over the beginning of the year, and a slight increase of 10 billion 286 million yuan compared with the previous year. The balance grew by 9.71% over the same period last year, and the growth rate hit the lowest level since 2001, but it is 0.57 percentage points higher than that of the whole province.

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< p > the normal production and operation needs of enterprises and institutions and the construction of key projects are the main areas of loans.

Among them, the first half of the unit business loans increased by 30 billion 433 million yuan, an increase of more than 4 billion 838 million yuan, the balance grew 11.29%, an increase of 2.54 percentage points over the previous year, exceeding 1.58 percentage points of loans.

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< p > according to industry analysis, the decline in loan growth in the first half of the year was mainly due to the continuous rise in non-performing loans, the increase in the strength of the loan verification and pfer, and the securitization of assets in the pilot bank of Ningbo. In the first half of the year, the abnormal reduction in loans was reduced to 16 billion 180 million yuan.

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< p > < strong > < a > href= > http://www.91se91.com/news/index_s.asp > > financing > /a > concept rise < /strong > /p >

< p > < strong > the growth rate of personal savings of banks is slowing down < /strong > < /p >

Since last year, Aunt Wang, who was accustomed to keeping money regularly, became a financial manager when she recommended her daughter. When she had the highest income of the balance treasure, she had tried a fashionable Internet financial management. P

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< p > "on the one hand, the proceeds of financial management are higher. On the other hand, try to try new things more often than not to get out of touch with the times."

Now, staring at the financial products launched by banks has become a part of her retirement.

In the savings account of a bank, she often keeps a small portion of her money for household expenses.

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< p > Internet banking, bank financing, P2P...

Since the beginning of last year, with the introduction of various financial channels, the more profitable financial management has taken the place of bank deposits and become the main destination for ordinary people to pocket their spare cash.

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< p > "there are very few customers who have time deposits now. We can only attract customers by offering more profitable financial products."

A bank personage said, in these two years, people's financial management concept is rising, and the phenomenon of deposit moving is becoming more and more common. Most of these deposits have entered the field of financial management.

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< p > this trend is also reflected in the change of personal deposits.

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At the end of the month of P > 6, the balance of personal deposits in Ningbo was 513 billion 168 million yuan, an increase of 31 billion 399 million yuan over the beginning of the year, and a slight increase of 5 billion 511 million yuan compared with the previous year. The balance grew by 9.19% over the previous year, 1.06 percentage points higher than the end of 3, but decreased by 4.35 percentage points compared with the same period last year.

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< p > < strong > property market downturn < /strong > < /p >

< p > < strong > personal housing loans increased by less than 6 billion 77 million, < /strong > < /p >.

< p > from the end of the sale to the high-profile price reduction, from the restriction to the chain of developers to break the chain of rumors four, in the first half of the year, the Ningbo property market drama constantly, in a strong wait-and-see atmosphere, the first half of the Ningbo property market report card is also difficult to say optimistic.

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< p > according to statistics from Soufangwang data monitoring center, in the first half of 2014 (2014.1.1-2014.6.30), the total number of commercial housing in six districts in Ningbo totaled 8924 units, 32.86% lower than in the second half of 2013, down 7.73% compared with the first half of 2013, and 1 million 110 thousand and 200 square meters, down 35.38% from the same month, down 12.20% from the same period.

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< p > in the first half of 2014, the total volume of commercial housing in the six districts of Ningbo was 15 billion 13 million, which was much lower than the 24 billion 400 million in the second half of last year or 17 billion 300 million in the first half of last year.

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< p > "the current housing market is mainly based on rigid demand, and now the housing market is looking down, some of the rigid demand groups have begun to wait and see."

One industry insider said.

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< p > real estate downturn has also led to a weaker growth in personal loans in the first half of this year.

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< p > according to statistics, personal loans increased by 4 billion 281 million yuan in the first half of the year, less than 12 billion 387 million yuan from the same period last year, and the balance grew by 8.41% over the same period last year, down 4.71 percentage points from the same period last year.

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< p > analysts believe that personal a href= "http://www.91se91.com/news/index_cj.asp" > loans < /a > the growth rate decline is mainly affected by the downturn in real estate pactions, personal housing loans growth is slow.

6 at the end of the year, the balance of personal housing loans was 122 billion 853 million yuan, an increase of 1 billion 581 million yuan over the beginning of the year, and a slight increase of 6 billion 77 million yuan compared with the previous year. The balance grew by 6.11% over the same period last year, down 8.27 percentage points from the same period last year.

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