The support effect of credit on the real economy continued to strengthen in the first three quarters. The reporter learned from the performance press conferences and year-end work meetings of various banks that in the fourth quarter, while maintaining stable loan growth, banks will further explore new credit growth points, make sufficient project reserves, and accumulate momentum for investment in the beginning of next year. Among them, key areas such as technological innovation, green transformation, and residential consumption have become the "main focus". According to the third quarter report, as of the end of September, five of the six major state-owned banks had achieved double-digit growth in new RMB loans compared to the end of the previous year, and some state-owned banks' year-on-year credit growth has approached or even exceeded that of the entire year last year. Among them, Agricultural Bank of China increased its new RMB loans to 2.57 trillion yuan, an increase of 13% compared to the end of the previous year, while the total increase for the entire year last year was 2.59 trillion yuan. As of the end of September this year, Bank of China's domestic RMB loans have increased by 1.9 trillion yuan, setting a new historical high for the same period and achieving multiple consecutive monthly year-on-year increases. The reporter learned during a visit that the current credit supply has entered the year-end closing stage, and it is expected that the growth rate in the fourth quarter will remain stable. Meanwhile, the focus of bank credit work has shifted to project reserves for next year. The traditional rhythm of credit disbursement is' starting well in the first quarter, repairing indicators in the second quarter, resting in the third quarter, and reserving funds in the fourth quarter for next year '. Recently, our job is to visit and assess customer funding needs, and smooth the credit disbursement curve for the whole year, "said Che Xiaoyan, head of Shanghai Kongjiang Branch of Bank of Nanjing. The business manager of a joint-stock bank in Beijing also stated that "the credit extension work has entered the final stage, and many credit plan lines have been completed, an increase of nearly 10% compared to the same period last year." The report released by the Bank of China Research Institute pointed out that the characteristics of high before and low after the credit extension rhythm in the banking industry this year are more obvious. Under the expectation of interest rate cuts, banks have a strong motivation to "invest early and benefit early". From the perspective of the next credit allocation structure, the strategies of each bank are different, but in areas such as technological innovation and green transformation, each bank is focusing on its efforts. In terms of serving the real economy, Agricultural Bank of China is at the forefront, with high-precision loans in key areas. "Agricultural Bank Secretary Han Guoqiang stated that in the next stage, the bank will focus on high-quality development, continue to do a good job in credit allocation, closely meet the needs of real economy development, and continuously increase support in key areas. Compared to other fields, the importance of bank science and technology innovation loans has further increased, becoming a new competitive arena for various banks. Among the "five major articles" proposed by the Central Financial Work Conference, "technology finance" was given the top priority. The People's Bank of China released the "2023 Third Quarter Financial Institution Loan Investment Statistical Report", which shows that at the end of the third quarter, there were 212800 technology-based small and medium-sized enterprises supported by loans, with a loan acquisition rate of 47%, 2.7 percentage points higher than the end of the previous year. It is understood that CITIC Bank will build an open service ecosystem, collaborate with collaborative units, government departments, industrial parks, private equity, research institutes, universities and other institutions, and work together to shape a new ecosystem with full factor guarantee and full life cycle "escort". It will advance the layout of earlier, smaller, and newer enterprises, stimulate the innovation vitality and growth momentum of private enterprises. China Construction Bank stated that it will vigorously develop technology finance in the future and strengthen the reform of technology achievement evaluation