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Notice by the People's Bank of China and the China Banking and Insurance Regulatory Commission of Establishing Rules for the Management of Concentration of Real Estate Loans of Banking Financial Institutions

中国人民银行、中国银行保险监督管理委员会关于建立银行业金融机构房地产贷款集中度管理制度的通知

  • Notice by the People's Bank of China and the China Banking and Insurance Regulatory Commission of Establishing Rules for the Management of Concentration of Real Estate Loans of Banking Financial Institutions
  • 中国人民银行、中国银行保险监督管理委员会关于建立银行业金融机构房地产贷款集中度管理制度的通知

  • (No. 322 [2020] of the People's Bank of China)
  • (银发〔2020〕322号)

  • The Shanghai Head Office of the People's Bank of China (“PBC”); all branches and operations offices of the PBC; all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; all local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”); China Development Bank; all policy banks, state-owned commercial banks, and joint-stock commercial banks; and Postal Savings Bank of China:
  • 中国人民银行上海总部,各分行、营业管理部,各省会(首府)城市中心支行,各副省级城市中心支行;各银保监局;国家开发银行,各政策性银行、国有商业银行、股份制商业银行,中国邮政储蓄银行:
  • For the purposes of enhancing the capability of banking financial institutions to withstand fluctuations in the real estate market, preventing potential systematic risks in the financial system arising from the excessive concentration of real estate loans, and enhancing the sound development of banking financial institutions, the PBC and the CBIRC have decided to establish rules for the management of concentration of real estate loans of banking financial institutions. You are hereby notified of the relevant matters as follows:
  • 为增强银行业金融机构抵御房地产市场波动的能力,防范金融体系对房地产贷款过度集中带来的潜在系统性金融风险,提高银行业金融机构稳健性,人民银行、银保监会决定建立银行业金融机构房地产贷款集中度管理制度。现将有关事项通知如下:
  • I. For the purposes of this Notice, “banking financial institutions” means Chinese-funded incorporated banking financial institutions formed within the territory of the People's Republic of China.
  •   一、本通知所称银行业金融机构是指在中华人民共和国境内设立的中资法人银行业金融机构。
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