The Notice on Further Strengthening Financial Support for novel coronavirus's Prevention and Control Work clarifies that financial institutions should appropriately tilt their credit policies, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period for those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for epidemic prevention and control observers, those who participate in epidemic prevention and control, and those who temporarily lose their sources of income due to the epidemic. If the repayment is overdue due to inconvenience during the epidemic, it will not be included in the record of dishonesty.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Normal: The borrower can perform the contract and always repay the principal and interest normally. There are no negative factors that affect the timely and full repayment of loan principal and interest. The bank is fully confident that the borrower can repay the loan principal and interest in full and on time. The probability of loan loss is 0.

Note: Although the borrower has the ability to repay the loan principal and interest, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected and the probability of loan loss will not exceed 5%.

Secondary: The borrower has obvious problems in repayment ability, and cannot fully repay the loan principal and interest by relying entirely on its normal operating income. It needs to repay interest by disposing of assets, external financing and even implementing mortgage guarantee. The probability of loan loss is 30%-50%.

Suspicious: The borrower can't repay the loan principal and interest in full. Even if the mortgage or guarantee is implemented, it will definitely cause certain losses. Just because of the borrower's reorganization, merger, merger, mortgage disposal, pending litigation and other factors, the amount of losses is uncertain, and the probability of loan losses is between 50% and 75%.

Loss: refers to the possibility of the borrower repaying the principal and interest for free. No matter what measures and procedures are taken, the loan is bound to be lost, or even if a small part can be recovered, its value is minimal. From the bank's point of view, it is meaningless and necessary to keep it as a bank asset in the accounts. Such loans should be written off immediately after the necessary legal procedures are fulfilled, and the loan loss probability is 75%- 100.