By the end of 2025, the balance of inclusive small and micro enterprise loans increased by 11% year-on-year

NightAirdropper · 2026-02-14T05:12:39+00:00

According to data from the National Financial Regulatory Administration, by the end of Q4 2025, the balance of inclusive micro and small enterprise loans and agricultural-related loans in China's banking sector were 37 trillion yuan and 14.2 trillion yuan, respectively. The primary insurance premium income and claims expenditure in the insurance industry also showed steady growth, with asset quality and solvency indicators remaining good.

NightAirdropper

2026-02-14 05:12:39

Abstract generation in progress

This article is reprinted from Baotou Daily

Xinhua News Agency Beijing, February 12 (Reporter Zhang Qianqian) Data released by the China Banking and Insurance Regulatory Commission on February 12 show that by the end of the fourth quarter of 2025, the balance of inclusive small and micro enterprise loans in banking financial institutions was 37 trillion yuan, an increase of 11.0% year-on-year; the balance of inclusive agricultural-related loans was 14.2 trillion yuan, an increase of 10.3% year-on-year.

For the entire year of 2025, insurance companies’ original insurance premium income was 6.1 trillion yuan, a year-on-year increase of 7.4%; claims and benefit payments amounted to 2.4 trillion yuan, a year-on-year increase of 6.2%; and the number of new policies issued was 116.8 billion, a year-on-year increase of 12.6%.

The total assets of the banking and insurance industries continued to grow. By the end of the fourth quarter of 2025, the total assets of China’s banking financial institutions in domestic and foreign currencies reached 480 trillion yuan, an increase of 8.0% year-on-year; the total assets of insurance companies and insurance asset management companies were 41.3 trillion yuan, a 15.1% increase from the beginning of the year.

Regarding asset quality in commercial banks, by the end of the fourth quarter of 2025, the non-performing loan ratio was 1.50%, a decrease of 0.02 percentage points from the previous quarter; the loan loss provision coverage ratio was 205.21%; the capital adequacy ratio of commercial banks (excluding foreign bank branches) was 15.46%, the Tier 1 capital adequacy ratio was 12.37%, and the core Tier 1 capital adequacy ratio was 10.92%.

In terms of insurance industry solvency, by the end of the fourth quarter of 2025, the average comprehensive solvency adequacy ratio of insurance companies was 181.1%, and the core solvency adequacy ratio was 130.4%, both exceeding the regulatory standards of 100% and 50%, respectively.

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