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余额增速看,7月末贷款余额同比增长6.9%,仍明显高于名义经济增速,反映了一段时间以来信贷对实体经济的支持力度是稳固的。  贷款利率低位运行  在利率方面,经过2018年以来多次降息,贷款利率已处于较低水平,今年以来又进一步下行。人民银行最新数据显示,7月新发放企业贷款利率约3.2%,新发放个人住房贷款利率约3.1%,分别较去年同期下降约45个和30个基点。  “综合融资成本下降是货币信贷条件适宜

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