China, with the world's largest foreign exchange reserve, will continue securing loans from International Financial Institutions (IFI) of appropriate size for use in the regions that need them most, a top official said on Friday.

"We will adopt a more reasonable and cautious attitude when obtaining IFI loans in the future," said Zhang Xiaoqiang, deputy minister of the National Development and Reform Commission (NDRC), while addressing a joint NDRC and Asian Development Bank (ADB) workshop.

With more than $1 trillion of foreign exchange reserves, mammoth personal savings and the opening up of its banking sector, China is facing mounting commercial risks with the influx of more IFI loans, said Ye Fujing, deputy director of the NDRC's Institute for International Economics.

But regional disparities exist with the central and western parts of the country, which are still in dire need of more capital to improve infrastructure.

China would also maintain its scale of IFI loans at around $3 billion, channeling most of the money to the central and western regions of the country and the old industrial bases in Northeast China during the 11th Five-Year Plan (2006-10).