Extend the repayment period, postpone the collection, and don't blindly withdraw the loan. If the enterprise maintains effective guarantee arrangements or provides alternative arrangements for inclusive microcredit, which expires from March/KLOC-0 to September 30, 2022, and promises to keep employment basically stable, the repayment date of principal and interest can be extended to February 3, 2022 1 day at the longest, with no penalty interest. For enterprises and individuals who actively respond to the epidemic, local financial institutions should also actively assist them to carry out credit repair work.