The circular requires that banking institutions be encouraged to support relevant enterprises to overcome the epidemic by appropriately lowering the loan interest rate, improving the continuous loan policy arrangement, and increasing credit loans and medium and long-term loans. After that, the bank also launched a series of policies to support the pneumonia epidemic.
1, Bank of China
Further increase credit support for small and medium-sized enterprises and improve audit efficiency. Small and medium-sized enterprises and individual industrial and commercial households in industries related to epidemic countermeasures and key areas of epidemic countermeasures will further increase preferential treatment according to the current low interest rate level in the market.
For medical personnel, government workers, confirmed patients, suspects and their spouses involved in epidemic prevention and control management, personal loans and credit cards of Bank of China, Bank of China, Fu Deng Rural Bank and Bank of China Consumer Finance Co., Ltd. expire during the epidemic, the repayment period is extended, which does not violate the contract and is not included in the overdue record of personal employment. The relevant interest and late payment fees can be reduced or exempted, and the application for collection and payment can be made.
In addition, Hubei Branch of Bank of China urgently issued Article 16 on personal customer service measures during epidemic prevention and control management, which involved credit support for small and medium-sized enterprises, extension of grace period for repayment of personal loans and overdue credit cards of epidemic prevention and control managers, and provided Hubei cardholders with 50% discount on exchange rate and online banking donations.
Loans overdue, an individual who participates in epidemic countermeasures, is not regarded as a violation. The grace period of personal loan repayment in Hubei is extended to 1 1 day. If the source of income is temporarily lost due to the epidemic in Hubei, the repayment plan can be postponed for 3 to 6 months according to the situation.
2. Industrial and Commercial Bank of China
In medicine, medical devices, medical institutions, public health infrastructure construction, scientific research and other departments to open up a green channel for special agents, through special service plans, credit scale distribution, interest rate concessions and other measures, and actively meet reasonable financing needs.
Eligible small and medium-sized enterprise loans shall be subject to examination and approval system. In Hubei, small and medium-sized enterprises, individual industrial and commercial households and pharmacies that apply for medical insurance loans have further preferential interest rates on the basis of the current low market level.
Medical staff, staff members, confirmed patients, suspects and their spouses involved in epidemic prevention and management, who are inconvenient to repay personal loans and credit card overdrafts of ICBC during the epidemic, will be ignored and included in the list of defaulting customers.
3. Agricultural Bank of China
We will spare no effort to ensure the capital demand for health and epidemic prevention, pharmaceutical product manufacturing and procurement, public health infrastructure construction, and scientific research offensive. The credit demand for the construction of the Huoshenshan and Thunder God Mountain hospital projects in Wuhan will fully guarantee the credit demand of pharmaceutical, medical equipment and epidemic prevention materials production enterprises in Wuhan, and fully guarantee the additional credit demand of corporate customers in the urgently needed materials industry corresponding to the production epidemic.
Inclusive small and medium-sized enterprises in Hubei Province, especially those with a credit scale of 654.38+000 billion yuan, fully guarantee the reasonable credit demand of inclusive small and medium-sized enterprises in other provinces' epidemic countermeasures related industries.
Establish a green channel for epidemic prevention management review, and give priority to credit business, special agents and emergency matters involved in epidemic prevention management, and immediately review them. Let go of the credit licenses of industries and enterprises such as epidemic countermeasures and medical and health products, simplify the review procedures, and improve the review efficiency.
The most favorable interest rate is applicable to industry loans related to epidemic response. Among them, the operating loans of inclusive small and medium-sized enterprises, individual industrial and commercial households and private entrepreneurs in Hubei Province are reduced by 0. Up by 5 percentage points at the current interest rate.
Wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, as well as enterprises with development prospects but temporary difficulties, will strictly implement neither lending nor lending. According to the actual situation, we will fully support the resumption of production and operation by adjusting the credit structure, adjusting the loan interest rate and repayment plan, increasing credit loans and medium and long-term loans.
For customers who temporarily lose their income sources due to the epidemic, they should flexibly adjust personal credit repayment plans such as housing loans, credit cards and agricultural loans, and reasonably extend the repayment time. On the premise of complying with laws, regulations and regulatory requirements, employees who participate in epidemic prevention and management whose personal loans and credit cards expire during the epidemic period will not be regarded as breach of contract for the time being, and will not be included in the list of defaulting customers, and will not be fined.
Other personal loans, credit card overdrafts and farmers' loans affected by the epidemic and caused by non-personal subjective reasons are not regarded as breach of contract, are not included in the list of defaulting customers, and are not subject to fines.
Reduce the handling fee for electric goods in epidemic areas and the handling fee for wages in immune areas.
4. China Construction Bank
Personal loans and credit cards of medical personnel, government employees and CCB that have expired during the epidemic prevention and management period are not regarded as breach of contract and are not included in the list of customers who default. In view of the epidemic affecting normal operations and encountering temporary difficulties, enterprises should fully support credit restructuring and reduce overdue interest according to actual conditions.
Fully support the credit demand of scientific research, production and procurement enterprises for drugs, medical devices and related materials needed for epidemic prevention and control, implement a rapid credit approval process, fully meet the credit scale, and implement preferential interest rates.
Business loans for small and micro enterprises and individual industrial and commercial households in Hubei Province are reduced by 0. 5 percentage points.
5. Bank of Communications
Open a green channel for credit review. Support the financing needs of enterprises for scientific research, production, procurement and industrial chain of drugs, protective equipment, medical devices and other materials needed for epidemic prevention and management, support the construction of special facilities for epidemic prevention and management, ensure sufficient credit scale, and reduce preferential interest rates and fees. The corresponding operating loan interest rates for small and medium-sized enterprises and individual industrial and commercial households are lowered by 0. 5 percentage points.
Support the normal operation of enterprises affected by the epidemic. For enterprises that have temporary operational difficulties due to the epidemic, according to the actual situation, the repayment period will be extended, the overdue interest will be reduced, the current loan will not be repaid, and the restructuring credit will support the normal operation of the enterprise.
Optimize the personal credit service of managers involved in epidemic prevention and control. For employees involved in epidemic prevention and control management, personal loans and bank of communications credit cards due during the epidemic period are not considered as default and are not included in the list of default customers.