Several Chinese banks are continuing to tighten retail lending risk controls, including recent moves to centralize personal loan approval authority from some provincial capital branches back to regional headquarters and adjust risk model parameters, according to Cailian Press. The report said that although policymakers have continued to signal support for boosting consumption, banks remain cautious in practice, maintaining stricter oversight of retail credit exposure through internal risk manage

Several Chinese banks are continuing to tighten retail lending risk controls, including recent moves to centralize personal loan approval authority from some provincial capital branches back to regional headquarters and adjust risk model parameters, according to Cailian Press. The report said that although policymakers have continued to signal support for boosting consumption, banks remain cautious in practice, maintaining stricter oversight of retail credit exposure through internal risk management adjustments.