In 2023, institutional deferred repayment policies include: personal loan deferred repayment, credit card deferred repayment, corporate loan deferred repayment, and preferential interest rate policies.

1. Deferred repayment of personal loans: individual lenders can choose to apply for deferred repayment according to their own economic conditions, and the longest extension period is 6 months. The borrower is not required to pay deferred interest. At the same time, the bank will adjust the repayment plan reasonably according to the individual repayment ability to ensure that the personal repayment pressure is reduced.

2. Credit card repayment extension: Credit card holders can apply for credit card repayment extension for up to 3 months. Cardholders are not required to pay deferred interest. The bank will arrange the repayment plan reasonably according to the cardholder's repayment ability and credit history to reduce the repayment pressure.

3. Deferred repayment of corporate loans: Enterprises affected by financial difficulties can apply to the bank for deferred repayment, and the longest extension period is 12 months. Enterprises do not need to pay deferred interest. The bank will adjust the repayment plan reasonably according to the operating conditions and repayment ability of the enterprise to support the enterprise to tide over the difficulties.

4. Preferential interest rate policy: According to the policy requirements, banks reduce the repayment interest rate of individuals and enterprises and reduce the repayment pressure.