Several major state-owned banks stop reporting mortgage concentration data as of this year, effectively relaxing the 'five tiers, two lines' regulatory framework

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According to Cailianshe, a reporter learned independently from multiple national banks that the ‘Five-Tier, Two-Line’ concentration management system for commercial bank real estate loans, implemented since 2021, has been further relaxed. Relevant authorities verbally communicated late last year that banks are no longer required to specifically report data on real estate loan concentration, and no banks have submitted such reports since the beginning of this year. A person in charge of corporate banking business and a loan statistics manager at a national commercial bank interviewed both confirmed this, with the latter stating that the authorities ‘no longer mention the proportion of real estate loans to banks, and no relevant requirements have been heard since.’ This system previously imposed systematic constraints on banks’ real estate-related loan scale by setting five tiers of institutions and two proportion caps. This substantive relaxation is the latest development in the context of the continuous easing of real estate financial policies in recent years.

36Kr (Cailianshe)