On February 1, the five departments of the People's Bank of China, the Ministry of Finance, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange jointly issued a notice on further strengthening financial support to prevent and control the new coronavirus infection pneumonia epidemic. The notice stated: Financial institutions It is necessary to improve financial services in the areas of social and people's livelihood affected by the epidemic.
1. For those who are hospitalized or quarantined due to infection with new pneumonia, those who need to be quarantined for epidemic prevention and control, those who participate in epidemic prevention and control, and those who have temporarily lost their source of income due to the impact of the epidemic, financial institutions must provide credit policies Appropriate tilt should be given to the government, flexibly adjust the repayment arrangements for personal credit such as housing mortgages and credit cards, and reasonably postpone the repayment period.
2. Personal entrepreneurial guaranteed loans infected with the new type of pneumonia can be extended for one year and continue to enjoy financial interest discount support.
Strengthen service guarantees for personnel related to epidemic prevention and control.
3. Medical staff and staff participating in epidemic prevention and control, as well as confirmed patients, suspected persons and their spouses, whose personal loans and credit card overdrafts at ICBC are overdue due to inconvenience during the epidemic period will not be counted. It is a breach of contract and will not be included in the list of defaulting customers.
4. Medical staff and government workers participating in epidemic prevention and control whose personal loans and credit card overdrafts with China Construction Bank are overdue during the epidemic will not be regarded as breach of contract and will not be included in the list of defaulting customers.
The Bank of Communications has specially adjusted its personal consumption loan repayment policy. For medical staff, government workers, confirmed patients, suspected personnel, quarantined personnel (including quarantined observation personnel) and their spouses involved in epidemic prevention and control, they can apply to The Bank of Communications applied for an extension of the repayment grace period. If the personal consumption loan arrears with the Bank of Communications are overdue due to inconvenience during the epidemic, they will not be counted as defaults and will not be classified as defaulting customers.
Legal basis:
"People's Republic of China and Civil Code"
Article 673 The borrower fails to use the loan in accordance with the agreed purpose In the case of borrowing, the lender may stop disbursing the loan, withdraw the loan in advance or terminate the contract.
Article 674 The borrower shall pay interest according to the agreed period.
Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.