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China‘s tightening policy to rein in the property market has shrunk the amount of mortgages offered by major commercial banks. But experts warn China‘s banks still face credit risks once the country‘s property prices plunge.

Many of China‘s major commercial banks reported shrinking numbers in mortgages extended in the first half of the year. And banks that saw an increase in loans say it happened at a steady pace.

Loans extended by the Industrial and Commercial Bank of China increased by 3.15 percent in the first half of the year.

Yang Kaisheng, president fo ICBC said, "Re北京专门治疗癫痫病得医院al estate loans increased in the first half of the year, but at a steady pace. And the quality was better than the end of last year."

Real estate loans, including loans to developers and residential mortgages, account for around 20 percent of the banks‘ total loans. Experts say if property prices fluctuate significantly in the future, risks will arise.

Professor Guo Tianyong, researcher of Central University of Finance & Economics said, "The proportion of the property loans is high. So any massive adjustment to the property sector may lead to more risks faced by banks."

According to the stress test results released by China‘s banking industry regulator, the country‘s banks will be able to endure around a property price plunge of around 30 to 50 percent. But analysts warn the impact of any such market decline might be wider than expected.

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