中国人民银行公布的2026年7月金融统计数据显示，社会融资规模存量为463.27万亿元，同比增长7.4%[1]。对实体经济发放的人民币贷款余额278.57万亿元，同比增长5.2%[1]；广义货币(M2)余额355.51万亿元，同比增长7.7%[1]。
从结构看，人民币贷款在社会融资规模存量中占比60.1%，同比低1.3个百分点；政府债券占比22.2%，同比高1.3个百分点[1]。政府债券余额102.68万亿元，同比增长14.1%；企业债券余额36.47万亿元，同比增长9.2%[1]。
前七个月社会融资规模增量累计为22.25万亿元，比上年同期少1.74万亿元[1]。同期人民币存款增加17.79万亿元，人民币贷款增加10.38万亿元[1]。狭义货币(M1)余额115.46万亿元，同比增长4%；流通中货币(M0)余额14.82万亿元，同比增长11.6%[1]。7月份经常项下跨境人民币结算金额为1.75万亿元，直接投资跨境人民币结算金额为0.63万亿元[1]。
The People's Bank of China released its July 2026 financial statistics, showing the outstanding balance of social financing at 463.27 trillion yuan, representing year-over-year growth of 7.4%[1]. The broad measure of money supply, M2, stood at 355.51 trillion yuan, up 7.7% compared to the same period last year[1].
RMB loans extended to the real economy reached a balance of 278.57 trillion yuan, growing 5.2% year-over-year[1]. Government bonds outstanding totaled 102.68 trillion yuan, up 14.1%, while corporate bonds reached 36.47 trillion yuan, an increase of 9.2%[1]. RMB loans accounted for 60.1% of the total social financing stock, declining 1.3 percentage points from a year earlier, while government bonds' share rose to 22.2%, gaining 1.3 percentage points[1].
During the first seven months of the year, cumulative new social financing reached 22.25 trillion yuan, 1.74 trillion yuan less than the corresponding period in 2025[1]. RMB deposits increased by 17.79 trillion yuan over the same span, while RMB loans expanded by 10.38 trillion yuan[1]. In July alone, cross-border RMB settlements under current account reached 1.75 trillion yuan, with direct investment-related settlements totaling 0.63 trillion yuan[1].