Core Viewpoint - The article highlights a tightening of risk control measures by some banks, leading to a cautious approach in retail lending since April, with the lowest level of new loans recorded since 2006 for the same period [1]. Summary by Relevant Sections Loan Performance - In April, new loans reached the lowest level since 2006, with personal loans decreasing by 520 billion yuan year-on-year, which is a larger decline compared to corporate loans that decreased by 250 billion yuan [1]. Retail Lending Trends - The cautious approach in retail lending is attributed to the pressure on retail asset quality experienced last year, with the growth in retail loans primarily driven by mortgage loans in the first quarter [1]. Approval and Disbursement - Since April, there has been a noticeable reduction in the approval rates and limits for consumer loans and business loans, indicating a more conservative lending environment [1].