Yuan Longping’s sports life: he loves swimming and playing volleyball, and won the swimming championship in Wuhan.
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Recently, this newspaper has received reports from parents of primary and secondary school students in some places that some middle schools organize examinations and selection through off-campus training institutions in the process of upgrading from primary school to junior high school. The school’s "pinch-top" enrollment forces primary school students to participate in various extracurricular classes in the fourth and fifth grades, and the wind of making up classes outside the school is prevalent. The reporter conducted interviews and surveys in major cities.
Xiaoshengchu illegally recruited students, and in some places, less than half of primary school graduates participated in computer allocation.
"Since the fifth grade, my son has no weekends, no winter and summer vacations. When the school is on holiday, we are all making up lessons. " Recently, Li Yun of Hohhot, Inner Mongolia, is going to take his son who graduated from primary school to travel. Li Yun told reporters that this is her "reward" for her son. In this year’s junior high school exam, his son was admitted to Qixiu Campus of the Municipal Experimental Education Group.
When it comes to junior high school education in Hohhot, the experimental middle school is the most famous, with five campuses, three of which are public and two are private, collectively known as Hohhot Experimental Education Group. In recent years, the state has vigorously promoted the balanced development of compulsory education. The public campus of experimental middle schools mainly relies on computers to recruit students, which makes two private branch schools of experimental middle schools that can enroll students independently increasingly sought after. Li Yun’s children are one of them.
Compulsory education is free of entrance examination, so why can the experimental middle school branch organize "pinching the top" recruitment? Qu Huihua, president of the Experimental Education Group, said: "The education department allows them to enroll students, but they are not allowed to take exams. At present, the personnel and finance of these two campuses, including enrollment, are carried out independently. They can enroll students independently and will not communicate with me. I don’t ask how they enroll students, and I don’t know how to operate. "
In the investigation, the reporter found that some places turned a deaf ear to the provisions of the Ministry of Education on the simultaneous enrollment of private compulsory education schools and public schools. In many cities, private schools have been the first to recruit students for many years in a row, while public schools have been the last to assign computers.
In another provincial capital city, at the end of last year, the Education Bureau issued a notice that public junior high schools are free of examination and allocated to schools nearby or relatively nearby, but private junior high schools adopt the method of "computer random allocation+independent enrollment". The best two or three local junior high schools are run by the local people, and "self-enrollment" is allowed. Many parents can only take their children to various remedial classes for their children’s future.
A student’s parents told the reporter: "I learned that there are entrance exams in junior high schools, both public and private, and the exams in private junior high schools are more difficult." Her daughter entered the public middle school because she didn’t pass the entrance examination of the private middle school.
The reporter’s investigation in Hohhot found that if the candidates took the private school exam and were admitted, and wanted to participate in the computer allocation of public schools again, they would be deprived of the qualification of the senior high school entrance examination, and they would not have the opportunity to enjoy the relevant preferential policies of high-quality high schools. It is understood that in recent years, there are more than 20,000 junior high school students in Hohhot every year, but only 9,087 primary school graduates participated in the on-site computer allocation this year, less than half of the total.
The recruitment is becoming more and more hidden, and the teacher of the training class calls temporarily, and also submits resumes and open days.
In recent years, the Ministry of Education has issued a number of documents, requiring all localities to fully implement the policy of free entrance examination for compulsory education. This year, the General Office of the Ministry of Education reiterated in the Notice on Doing a Good Job in Enrollment of Ordinary Primary and Secondary Schools in 2019 that all public and private compulsory education schools must strictly abide by the compulsory education exemption admission regulations. However, under the strict investigation, some schools still secretly recruit students through various means.
Parents who have experienced junior high school in Guangzhou, Guangdong Province in recent years, most of them know "MK", a phonetic alphabet with the nature of code. "MK" is the homonym of "secret exam", and there are also "ZA" (believing in the Olympic class), "YS" (cultivating experiment), "YLQ" (pre-admission) and "QY" (signing) … … Parents told reporters that they joined the students’ parents group, teaching auxiliary institutions group and "MK" group through various channels, and inquired about the "secret test" information through this set of "passwords".
Different from previous years, this year’s "secret exams" in private schools have been reduced, and they have been replaced by forms such as submitting resumes and "meeting" for a few minutes on the school open day.
The reporter came to a junior high school when the enrollment was the most tense. Because the education department did not allow the school to collect students’ resume materials, the school did not set up a resume material collection office, but placed several large wastebaskets on the spot, and the security guards instructed parents to throw the "abandoned" students’ resume materials into the wastebaskets. After the activities were over and the school gate was closed, some parents received calls from social teaching auxiliary institutions one after another.
According to the reporter’s investigation, despite the increased efforts to investigate and deal with illegal recruitment at the beginning of Xiaoshengchu, the examination is more and more hidden and has been repeatedly banned.
In a certain place, Linlin, who just graduated from primary school, took nearly 10 junior high school exams organized by training institutions in the first half of this year. Apart from some private schools, there are also several "rocket classes" exams in public schools, most of which are in remote temporary examination rooms.
The reporter came to a training institution in Linlin where she attended the Olympic Mathematics tutorial and organized her to take the exam, and asked the staff whether she could participate in the junior high school entrance examination. A staff member said that "the situation changes every year, and not every school can participate in the recruitment." The staff member next to him immediately took out his mobile phone and typed a few words, whispering to the staff member: "That’s what he meant." The staff member immediately changed his statement: "We never organize junior high school exams for schools, but only conduct ordinary extracurricular training."
"Don’t say they won’t tell you, our parents can’t ask!" Linlin’s mother, Ms. Zhao, told the reporter that every time she took the exam, she received a phone call from the teacher of the training class, informing her when and where there was a very important exam. "But which school exam didn’t tell us."
A staff member of a training institution said: "This year, the Education Bureau conducted a strict investigation. In previous years, each school organized at least two or three exams, but this year, each school basically only took one exam. It turns out that we have even moved our office this year, and we are afraid to put up a sign now … …”
Training institutions are crowded, and some say that they are closely related to popular schools, and super-class teaching is more common.
"Among the students I came into contact with in Xiaoshengchu, 80% of the children will go to tutoring institutions." Teacher Li of a training institution said that due to the scarcity of high-quality educational resources and the continuous intensification of academic competition, various counseling institutions have sprung up.
As parents of students, the reporter made unannounced visits to several off-campus training institutions in several cities, and found that the teaching contents of many training institutions seriously exceeded the prescribed scope of the syllabus. At the same time, in the face of parents who come to consult, most institutions will introduce the close relationship with popular schools, as well as the high quality of education and stable transportation of students.
According to the reporter’s investigation, the state’s repeated requests for strict prohibition of the Olympiad, which is the basis for entering the compulsory education stage, has become an unavoidable threshold for students taking the junior high school selection examination in some places. Chinese and English have greatly improved the investigation of primary school students’ ancient prose and vocabulary. "In order to recruit top-notch young talents, if you only test the knowledge in the textbook, you can’t open the grade at all. Therefore, if you want to pass the exam and enter a good school, you must learn the Olympics, and the difficulty of Chinese and English will also increase. " A staff member of a training institution somewhere said.
"I got Pythagorean Theorem in my junior high school exam. This is what I learned in junior high school. I won’t do it without attending junior high school training!" A parent said that some counseling institutions have private contact with the school, and some students said after the exam that "the exam is not difficult at all, I have done it all". It is said that the enrollment rate of this counseling institution has reached 80%— 90%。
In Guangzhou, some parents told reporters that some junior high school "secret exams" were entrusted to teaching auxiliary institutions in the society, which were true and false and could not be identified. "Many exams fall from the sky without meaning, charging hundreds of yuan and thousands of yuan. After answering the questions and handing in the papers, there is no news." Sometimes parents also suspect that some "secret exams" are scams, but they are afraid that this is an "opportunity" and would rather be deceived than let go once.
A parent in Chengdu, Sichuan said: "Schools want students, but dare not organize exams. Training institutions have students, but they don’t ‘ Exit ’ , both ‘ In and out ’ , hit it off. " The parent told reporters that the tuition fees of these training institutions are expensive, often tens of thousands or even tens of thousands of yuan.
"On one side is the solemn statement of the school ‘ Never entrusted any organization to organize the junior high school entrance examination ’ On the one hand, it is organized by various institutions ‘ Xiaoshengchu ’ Exam. Report the problem to the Education Bureau, and the Education Bureau will reply ‘ Upon inquiry, the school did not organize the examination ’ 。” In this regard, some parents are puzzled: "Since it is strictly forbidden to take the junior high school entrance examination and choose a school based on the examination results ‘ Pinch the tip ’ Why not thoroughly investigate the organizers of the exam? If the exam has nothing to do with the school, it is cheating. "
The reporter’s investigation found that in recent years, the measures to rectify the problem of "pinching the top" recruitment should be said to be severe, but for schools, there are still many countermeasures. Some schools have joined hands with teaching auxiliary institutions to avoid punishment. It is an open secret in some areas that parents can’t get exam information without enrolling in various cram schools at high prices. At the beginning of Xiaoshengchu, the problem of "pinching the top" recruitment and the chaos of teaching auxiliary institutions should be highly valued by the competent authorities.
(The names of students and parents in the article are all pseudonyms.)
■ after editing
Cut off the interest chain of illegal recruitment
Judging from the letters from the masses and the investigation by reporters, the phenomenon of illegal recruitment and crazy make-up classes is worth noting.
At the beginning of Xiaoshengchu, it was like "one is willing to fight and the other is willing to suffer". However, illegal recruitment disrupts the order of enrollment and destroys the educational ecology; Rushing to the top of the class disrupts the progress of education and teaching and increases the burden on students; If you don’t give lectures in class, it will damage the teaching order and the atmosphere of teachers. To control illegal recruitment and make up classes, we must resolutely cut off the interest chain. Imagine, if the training institutions are decoupled from further studies, will business still be so hot? If the school strictly implements the admission to the nearest school, will students still rush to get away?
Not long ago, the national basic education work conference was held, which put forward new requirements for the reform and development of basic education. In order to cool down the school selection fever from the root, in addition to drumming, it is necessary to further expand quality education resources and make more and more good schools at home; It is even more necessary to focus on solving the "baton" problem fundamentally, not only evaluating schools by enrollment rate, but also evaluating students by scores, resolutely overcoming and correcting the tendency of exam-oriented education, and making great efforts to cultivate and develop students in an all-round way.
Cctv newsAccording to the website of the Ministry of Education, the Ministry of Education recently issued the "Regulations on the Administration of National Postgraduate Enrollment in 2022" (hereinafter referred to as the "Regulations"), and deployed all enrollment units in various places to co-ordinate the enrollment of postgraduate examinations under the condition of normalization of epidemic prevention and control. The initial test of the 2022 national postgraduate entrance examination is scheduled for December 25-26, 2021, and a few examination subjects that take more than 3 hours or have special requirements such as using sketchpad are scheduled for December 27.
The "Regulations" clarify that the registration of the national postgraduate entrance examination includes two stages: online registration and online confirmation (on-site confirmation). Online registration will be arranged from October 5 to October 25 (9:00— 22:00), the work of forecasting names is arranged from September 24 to September 27 (9:00— 22:00)。 All candidates who take part in the national postgraduate entrance examination shall go through the online registration and online confirmation (on-site confirmation) procedures at their designated entry points in accordance with the provisions of the relevant provincial education entrance examination institutions.
The "Regulations" require further strengthening the standardized management of adjustment work. The basic requirements for the adjustment of candidates are the same as last year. In view of the fact that the preliminary examination subjects of seven majors, such as business administration, public administration, accounting, tourism management, library and information science, engineering management and auditing, are completely consistent, in order to ensure fairness and justice, it is further clarified this year that when candidates transfer between seven majors, on the basis of meeting other transfer conditions, the preliminary examination results must meet the basic requirements of the national preliminary examination results of both transferred majors and transferred majors in the transferred areas.
The "Regulations" emphasize further serious examination of discipline. The majority of candidates are required to consciously establish the awareness of obeying rules and disciplines and honest examinations. During the initial examination, candidates should consciously abide by the "National Postgraduate Entrance Examination Examination Rules" and the examination room discipline of each test center; During the re-examination, candidates should consciously abide by the rules of the examination room of the admissions unit and the "Commitment Letter of Integrity Re-examination" signed by the candidates, and shall not disclose or disseminate the contents of the re-examination questions before the re-examination of the admissions unit is over.
In order to help the majority of candidates fully and accurately understand the postgraduate enrollment policy, the relevant departments of the Ministry of Education will launch the "2022 National Postgraduate Enrollment Publicity and Consultation" activity on the "China Postgraduate Enrollment Information Network" (https://yz.chsi.com.cn, https://yz.chsi.cn) from September 22 to 26, when all postgraduate enrollment units will answer candidates’ questions online.
Fireworks and firecrackers crack down on illegal activities
At the end of the year and the beginning of the year, in order to implement the relevant requirements of the Notice of Sichuan Tianfu New District Management Committee on the Prohibition of Setting off Fireworks and Firecrackers in the Whole Region of the Directly Administered Area and ensure the safety of people’s lives and property, on January 9, 12 and 25, 2024, Taiping Street and the law enforcement team of Tianfu New District Emergency Bureau jointly launched a special campaign to crack down on fireworks and firecrackers in the jurisdiction, and conducted inspections on illegal storage and sale of fireworks and firecrackers and fire safety.
The law enforcement team inspected 21 supermarkets and non-staple food stores in the jurisdiction, and found 5 illegally stored and sold fireworks and firecrackers, and investigated and dealt with 23 fireworks and firecrackers. The regulatory authorities punished them on the spot in accordance with relevant laws and regulations, and confiscated fireworks and firecrackers.
In view of the problem that the fire extinguishers in six non-staple food stores are blocked, the operators have been ordered to carry out on-site rectification to ensure that the closed-loop management of hidden dangers is in place.
Tips
The whole area of Chengdu Zhiguan District in Tianfu New District of Sichuan (Huayang Street, Wan ‘an Street, Zhengxing Street, Xinglong Street, Jiancha Street, Xinxing Street, Yongxing Street, Jitian Street and Taiping Street) is a no-discharge area for fireworks and firecrackers, and no unit or individual may illegally produce, sell, store, transport or discharge fireworks and firecrackers.
Source: Tianfu Taiping
2024 is a popular new product, and New Day Moses 3.0 sets off a new trend of retro technology aesthetics. Can you imagine that the beauty of the design of an electric car can combine "retro aesthetics" with "future technology" and combine "technology precipitation" with "future technology" to the extreme?
Based on the hot market background of Moses series, combined with the real feedback from merchants and users, New Day Moses 3.0 is further upgraded and developed with the concept of retro futurism. With more elegant retro style and modern advanced technology, it has recently created a high-value female car, which is fashionable, elegant and beautiful.
The interweaving of future and past, fashion and retro.
The design of New Day Moses 3.0 is inspired by the retro design of the Beatles, and the high windshield front panel is fashionable and practical, highlighting the strong retro style. The exterior color matching of the vehicle adopts 18th century French classics.【rococoartwindLattice]Camellia White/Luoden Frost Green, Roman Green, Rabbit Ear Powder/Plum Powder, Lime White/Oak Brown, etc. are fashionable and retro, which are the romantic aesthetics favored by artists and the most comfortable 6:3:1 gold color scheme recognized in the world, making people full of exquisite, elegant, gorgeous and delicate visual enjoyment.
Not only is the appearance of the color scheme elegant and profound, but the details of the design are also adopted by Niigata Moses 3.0."High-gloss mirror paint", 4 times spraying, 5 times baking, paint luminosity ≥ 90, more shiny and textured. Paired with those commonly used for jewelry decoration."Bright silver plating accessories"With 15 technological processes, 100+ polishing and 10h+ electroplating, it has better oxidation stability, can effectively prevent oxidation and corrosion, and is more beautiful and upscale.
From the past to the future, alwaysStick to the performance experience
Under the extreme style and high-value appearance, it is a high-profile configuration with full experience. In terms of power, Moses 3.0 is equipped.【High performance motor】, the power output is stronger; Double hydraulic shock absorption before and after, minimizing the bumpy feeling caused by rough and bumpy roads, and creating electric motorcycle-level comfortable riding. The night riding experience of the vehicle is also very comfortable, with retro rounded headlights and front and rear turn signals, all-round.【360 laser lighting system】, with stronger brightness, wider visual range and longer illumination distance.
Vehicle seats are made of high-quality delicate leather 3D wrapping design.【Palm leather cushion】After 36 tanning processes, it is more water-resistant and wear-resistant, with good elasticity, comfortable and delicate feel, and it is not easy to produce scars or deformation. Combined with the cloud cushion technology, the high-density rebound sponge with a thickness of 70mm gold is soft and fits the hip curve. The vehicle also supports【Bluetooth inductive unlocking】、【One-button reversing】And other intelligent functions, girls with small strength can also start and stop easily, comfortable and elegant throughout.
For many users, fashion sense can be said to be the first important factor affecting car purchase decision. An electric car with a good appearance can be more enjoyable and meet various needs such as wearing. On the other hand, New Day Moses 3.0 not only has a good face value, but also every detail, including style design and riding performance, gives people an exquisite and practical experience, allowing functionalism and emotional value to coexist. Let’s get off to a good start in the Spring Festival of the Year of the Dragon and turn comfortable and elegant travel into a daily routine ~
Text/Yangcheng Evening News All Media Reporter Liang Zeming
In the last month, have you been bored by the frequent "dragon boat water"? The good news is that this year’s "Dragon Boat Water" in Guangdong has been "withdrawn".
Although "Dragon Boat Water" has ended, sunny heat has become the protagonist, but it does not mean that there is no rain at all. Thunderstorms will still come from time to time to grab the show, especially in eastern Guangdong. Thunderstorm+high temperature, does it feel like a "sauna"? Standing outside for a while during a thunderstorm is comparable to being in a sauna. Try it?
It is estimated that on June 29, due to the fluctuation of the east wind, there will be heavy rain to heavy rain and local heavy rain in the cities and counties of eastern Guangdong, and there will be moderate thunderstorms and local heavy rain in the southern cities and counties of the Pearl River Delta and Meizhou. From June 29th to July 1st, there was a high temperature of about 35℃ and local 37℃ in cities and counties in the north-central region.
The specific forecast is as follows:
On June 29, there were heavy rains to heavy rains and local heavy rains in cities and counties in eastern Guangdong. The southern cities and counties in the Pearl River Delta and Meizhou were cloudy with moderate thunderstorms and local heavy rains, while the rest cities and counties were sunny to cloudy with local thunderstorms. Maximum temperature: 29℃ ~ 33℃ in eastern Guangdong, southern coastal cities and counties and Meizhou, and 34℃ ~ 36℃ in most other cities and counties.
From June 30th to July 1st, most cities and counties were sunny to cloudy with some thunderstorms, among which the southern coastal cities and counties were cloudy with scattered thunderstorms. Maximum temperature: 31℃ ~ 34℃ in southern coastal cities and counties, 35℃ ~ 36℃ in most other cities and counties, and 37℃ in some cities and counties.
In Guangzhou, the sunshine will be accompanied by thunderstorms in the next few days, and it will still be hot and sunny during the day, and local thunderstorms will sneak up. When it’s time to leave air conditioning, WiFi and watermelon, everyone should pay attention to heatstroke prevention and take an umbrella with them to keep out the rain and shade.
Every summer, "sauna days" are the most difficult. In this weather, high temperature and high humidity are combined, which makes it difficult to breathe. Why is the "sauna day" so difficult? Wang Weiyue, a meteorologist of China Weather Network, said that in general, people cool down by sweating in hot weather, and sweat can take away the heat generated by the human body in time. However, in the "sauna day", due to the high humidity and low wind speed, the evaporation rate of sweat is greatly slowed down, and the clothes can be soaked after going out for a few minutes, feeling sticky all over.
Due to the imbalance between heat production and heat dissipation, people are prone to heatstroke in sauna days, especially the following categories of people, which need special care. For example, people who drink less water and have underdeveloped sweat glands are not easy to sweat and suffer from heatstroke in sauna days; For people who are stressed and irritable, hot and humid weather will easily affect their hypothalamic ability to regulate emotions, leading to palpitation and chest tightness; People with poor cardiopulmonary function are prone to cardiovascular diseases in high temperature and high humidity environment.
Source | Yangcheng Evening News Yangcheng School Comprehensive @ Guangdong Weather @ Guangzhou Weather @ China Weather, etc
Editor | Zheng Zongmin
In winter, it is often difficult to start a car. If you encounter this situation, you can try to press the accelerator while turning the key to light the fire. This method is very effective, but when the car starts, you should pay attention to loosen the throttle properly, because excessive stepping on the throttle will cause damage to the car. If this method still fails to solve the problem, there may be the following reasons:
1. The battery is short of electricityIt is the most common reason that makes it difficult to start a car in cold weather. The lower the temperature, the lower the battery capacity. Generally speaking, the life of a battery is about 3 years. When the engine is difficult to start, the headlights are dim or the horn sound is unclear, you should check whether the battery is short of electricity.
2. The exhaust pipe is frozen
It is also a common problem. If the car is used less frequently and the route is shorter, the water vapor after engine combustion will freeze in the exhaust pipe, and short-distance driving is not enough to melt it. After a night, there will be more ice, which will affect the starting and exhaust of the vehicle.
3. Poor performance of engine oil or incorrect selection.
It may also lead to difficulties in starting the car. In winter, the viscosity of engine oil increases greatly, which leads to the increase of internal resistance of engine. Therefore, low viscosity engine oil should be used to cope with the cold weather in winter.
Note that the above method is only applicable to the situation that the car is difficult to start. If the problem still exists, please contact professional car maintenance personnel for inspection and maintenance.
CCTV News:According to the website of the People’s Bank of China, on July 28th, the central bank released a statistical report on the loan investment of financial institutions in the second quarter of 2023.
According to the statistics of the People’s Bank of China, at the end of the second quarter of 2023, the balance of RMB loans of financial institutions was 230.58 trillion yuan, up 11.3% year-on-year; In the first half of the year, RMB loans increased by 15.73 trillion yuan, an increase of 2.06 trillion yuan over the same period of last year.
First, loans from enterprises and institutions grew steadily, and the growth rate of medium and long-term loans increased more.
At the end of the second quarter of 2023, the loan balance of local and foreign currency enterprises and institutions was 152.21 trillion yuan, a year-on-year increase of 13.5%, and the growth rate was 0.1 percentage point lower than that at the end of last year; In the first half of the year, it increased by 12.86 trillion yuan, an increase of 1.3 trillion yuan year-on-year.
In terms of terms, the balance of short-term loans and bill financing was 52.8 trillion yuan, up 6.8% year-on-year, and the growth rate was 6.2 percentage points lower than that at the end of last year. In the first half of the year, it increased by 3.01 trillion yuan, a year-on-year decrease of 2.24 trillion yuan. The balance of medium and long-term loans was 95.96 trillion yuan, up 17.9% year-on-year, and the growth rate was 3.4 percentage points higher than the end of last year. In the first half of the year, it increased by 9.68 trillion yuan, an increase of 3.45 trillion yuan year-on-year.
In terms of purposes, the balance of fixed assets loans was 63.7 trillion yuan, up 14.2% year-on-year, and the growth rate was 2.8 percentage points higher than that at the end of last year. The balance of operating loans was 62.87 trillion yuan, a year-on-year increase of 15%, and the growth rate was 2.3 percentage points higher than that at the end of last year.
Second, the growth rate of medium and long-term loans in industry, service industry and infrastructure industry continued to increase.
At the end of the second quarter of 2023, the balance of medium and long-term loans in local and foreign currency industries was 20.2 trillion yuan, up 32.4% year-on-year, and the growth rate was 21.8 percentage points higher than that of various loans and 5.9 percentage points higher than that at the end of last year. In the first half of the year, it increased by 3.19 trillion yuan, an increase of 1.39 trillion yuan year-on-year. Among them, the balance of medium and long-term loans for heavy industry was 17.24 trillion yuan, a year-on-year increase of 32.2%, and the growth rate was 6.7 percentage points higher than that at the end of last year; The balance of medium and long-term loans for light industry was 2.96 trillion yuan, up 33.6% year-on-year, and the growth rate was 1.1 percentage points higher than that at the end of last year.
At the end of the second quarter of 2023, the balance of medium and long-term loans in local and foreign currency service industries was 60.75 trillion yuan, up 14% year-on-year, and the growth rate was 2.8 percentage points higher than that at the end of last year. In the first half of the year, it increased by 5.05 trillion yuan, an increase of 1.67 trillion yuan year-on-year. The balance of medium and long-term loans in the real estate industry increased by 7.1% year-on-year, and the growth rate was 3.1 percentage points higher than that at the end of last year.
At the end of the second quarter of 2023, the balance of medium and long-term loans in local and foreign currency infrastructure industry was 35.93 trillion yuan, up 15.8% year-on-year, and the growth rate was 2.8 percentage points higher than that at the end of last year. In the first half of the year, it increased by 3.25 trillion yuan, an increase of 1.1 trillion yuan year-on-year.
Third, loans in various fields in inclusive finance maintained a relatively high growth rate.
At the end of the second quarter of 2023, the balance of Pratt & Whitney small and micro loans was 27.69 trillion yuan, up 26.1% year-on-year, the growth rate was 2.3 percentage points higher than the end of last year, and it increased by 3.9 trillion yuan in the first half of the year, up 1.16 trillion yuan year-on-year; The balance of loans for farmers’ production and operation was 8.86 trillion yuan, up 18.3% year-on-year; The balance of business guarantee loans was 298.1 billion yuan, up 14.6% year-on-year; The balance of student loans was 169.6 billion yuan, a year-on-year increase of 21.6%.
At the end of the second quarter of 2023, the balance of loans for people out of poverty nationwide was 1.11 trillion yuan, up 13.2% year-on-year, and 485.3 billion yuan was distributed in the first half of the year.
Fourth, the rapid growth of green loans
At the end of the second quarter of 2023, the balance of green loans in local and foreign currencies was 27.05 trillion yuan, up 38.4% year-on-year, 0.1 percentage point lower than the end of last year, 27.8 percentage points higher than the growth rate of various loans, and 5.45 trillion yuan higher than the beginning of the year. Among them, loans to projects with direct and indirect carbon emission reduction benefits were 9.6 and 8.44 trillion yuan respectively, accounting for 66.7% of the total green loans.
In terms of purposes, the loan balances of green infrastructure upgrading industry, clean energy industry and energy conservation and environmental protection industry were 11.85 trillion yuan, 6.8 trillion yuan and 3.93 trillion yuan respectively, up by 34.3%, 35% and 49.2% respectively, up by 2.14 trillion yuan, 1.26 trillion yuan and 954.9 billion yuan respectively from the beginning of the year. In terms of industries, the balance of green loans in power, heat, gas and water production and supply industries was 6.43 trillion yuan, up 26.6% year-on-year, up 926.4 billion yuan from the beginning of the year; The balance of green loans in transportation, warehousing and postal services was 5 trillion yuan, up 13.9% year-on-year, up 465.5 billion yuan from the beginning of the year.
V. The growth rate of agricultural loans continued to grow.
At the end of the second quarter of 2023, the balance of agricultural loans in local and foreign currencies was 54.64 trillion yuan, up 16% year-on-year, and the growth rate was 2 percentage points higher than that at the end of last year. In the first half of the year, it increased by 5.47 trillion yuan, an increase of 1.4 trillion yuan year-on-year.
At the end of the second quarter of 2023, the balance of rural (county and below) loans was 45.6 trillion yuan, a year-on-year increase of 16.1%, and the growth rate was 2.6 percentage points higher than that at the end of last year; In the first half of the year, it increased by 4.66 trillion yuan, an increase of 1.38 trillion yuan year-on-year. The balance of farmers’ loans was 16.31 trillion yuan, a year-on-year increase of 13.4%, and the growth rate was 2.2 percentage points higher than that at the end of last year; In the first half of the year, it increased by 1.32 trillion yuan, an increase of 359 billion yuan. The balance of agricultural loans was 5.67 trillion yuan, a year-on-year increase of 14.7%, and the growth rate was 4 percentage points higher than that at the end of last year; In the first half of the year, it increased by 583.8 billion yuan, an increase of 196.6 billion yuan.
Sixth, the growth rate of real estate loans declined.
At the end of the second quarter of 2023, the balance of RMB real estate loans was 53.37 trillion yuan, a year-on-year increase of 0.5%, which was 1 percentage point lower than the growth rate at the end of last year; In the first half of the year, it increased by 154.9 billion yuan, accounting for 1% of the increase in various loans during the same period.
At the end of the second quarter of 2023, the balance of real estate development loans was 13.1 trillion yuan, a year-on-year increase of 5.3%, and the growth rate was 1.6 percentage points higher than that at the end of last year. The balance of individual housing loans was 38.6 trillion yuan, down 0.7% year-on-year, and the growth rate was 1.9 percentage points lower than that at the end of last year.
Seven, loans to support science and technology enterprises.
By the end of the second quarter of 2023, there were 211,900 small and medium-sized science and technology enterprises supported by loans, with a loan rate of 46.7%, 2.1 percentage points higher than the end of last year. The balance of local and foreign currency loans of small and medium-sized science and technology enterprises was 2.4 trillion yuan, up 25.1% year-on-year, 0.8 percentage points higher than the end of last year.
Eight, the growth rate of household consumption loans rebounded, and operating loans maintained a relatively fast growth rate.
At the end of the second quarter of 2023, the balance of household loans in local and foreign currencies was 78.57 trillion yuan, up 6.1% year-on-year, and the growth rate was 0.7 percentage points higher than that at the end of last year. In the first half of the year, it increased by 2.8 trillion yuan, an increase of 611.6 billion yuan year-on-year.
At the end of the second quarter of 2023, the balance of household consumer loans (excluding personal housing loans) in local and foreign currencies was 18.75 trillion yuan, up 12.4% year-on-year, and the growth rate was 8.3 percentage points higher than that at the end of last year. In the first half of the year, it increased by 717.1 billion yuan, an increase of 607.6 billion yuan. The balance of household operating loans was 21.22 trillion yuan, up 19.5% year-on-year, and the growth rate was 3 percentage points higher than the end of last year; In the first half of the year, it increased by 2.3 trillion yuan, an increase of 759.1 billion yuan.