China's top banking regulator on Monday urged joint stock banks to watch their bottom lines and be wary of risks while supporting manufacturers and service providers.

The remarks from Shang Fulin, chairman of the China Banking Regulatory Commission, follow a record August in new yuan loans. The comments came at a joint stock bank meeting, according to a statement published on the CBRC's official website.

Shang said commercial lenders must strengthen comprehensive risk management to improve their risk control in a complex environment.

"Take effective measures to identify, measure, cushion, control and resolve risks, to make sure their operation is stable and prudent," Shang said.

Shang's cautionary note comes as Chinese listed banks, particularly smaller ones, reported some degree of asset deterioration in their interim results.

Ping An Bank Co Ltd reported a 51 percent jump in non-performing loans.