This is hard to say. Basically, many enterprises pay back money at the end of the year, such as construction, self-financing, and paying back money at the end of the year. Secondly, FMCG, cold drinks, wine companies and cold drinks are in the summer sales season, but the payment may not be timely, so raw materials and products account for a large proportion, and alcoholic products (except beer) are not in the sales season. May-August is the off-season, and there are not many goods sold, and there are not many natural payments. Housing enterprises are relatively uneven, and some of them opened before the golden September and silver tenth. In August, there were more capital expenditures, so they naturally lacked money. Some closed before the end of June, so there is no shortage of money in August. The question is general and spans many fields, so it is difficult to answer it in detail, so we can only answer it in general. In a word, the end of the year is the peak season for sales. In August, food and clothing were short of money, and only household appliances received even amounts. From the perspective of industry investment, the investment concentration of the loan industry has been greatly improved. In the first three quarters, the industries with the most new loans were real estate, transportation, warehousing and postal services, wholesale and retail, construction and manufacturing, with new loans of 208.482 billion yuan, 30.554 billion yuan,18151000000 yuan and167.04 million yuan respectively. The proportion of real estate loans to total loans increased from 2 1.78% at the beginning of the year to 25.27% at the end of the third quarter. The concentration of the loan industry has risen rapidly.

Deposits grew rapidly, unit deposits grew faster than personal deposits, and the trend of demand deposits deepened. By the end of September, the balance of various deposits in the banking industry in our province was 5.517.945 billion yuan, an increase of 6251850,000 yuan compared with the beginning of the year and a year-on-year increase of 9099 12.24%.

Structurally, the growth rate of unit deposits is faster than that of individual deposits. Unit deposits increased by 227.438 billion yuan, an increase of 40.823 billion yuan year-on-year, with an increase of 12.70% and an increase of 1.05 percentage points year-on-year; Personal deposits increased by 31608 million yuan, an increase of 43.038 billion yuan year-on-year, an increase of 10.82% compared with the beginning of the year, and the growth rate accelerated by 0.37 percentage points year-on-year. In the first three quarters, unit deposits maintained rapid growth, reflecting the abundant funds of market entities and becoming one of the factors for macroeconomic stabilization and recovery.

From the perspective of term, the demand for deposits continues to deepen. Demand deposits increased by 275,654.38+0.83 billion yuan, an increase of 200.855 billion yuan year-on-year, with an increase of 1.78% and an increase of 1.02 percentage points year-on-year; Time deposits increased by 65,438+0,665,438+0,826,5438+0 billion yuan, a year-on-year decrease of 57,365,438+0.3 billion yuan, an increase of 765,438+00% compared with the beginning of the year, and the growth rate slowed down by 3.43 percentage points. Time deposits (time deposits/demand deposits) decreased by 0.06 percentage points compared with the beginning of the year. The continuous demand for deposits shows that the investment willingness of market participants and the consumption willingness of residents are in the recovery channel, which is conducive to the implementation of structural reforms.