Legal analysis: According to the notices and decisions issued by the Banking Regulatory Commission in various places, certain areas are not considered overdue and repayment can be deferred. The China Banking and Insurance Regulatory Commission in some regions issued a notice to postpone repayment arrangements. Taking Sichuan Province as an example, the notice stated: For medical staff and government workers participating in epidemic prevention and control, personal loans and credit card overdrafts during the epidemic prevention and control period are overdue. , it will not be regarded as a breach of contract and will not be included in the list of defaulting customers. For people infected with COVID-19, quarantined people, prevention and control staff, and people who have temporarily lost their source of income due to the epidemic, banking institutions must postpone the repayment arrangements for personal loans such as housing mortgages and credit cards until the province's first-level response is completed; Within three months after the end of the first-level response, the repayment arrangement must be flexibly adjusted based on the actual situation of the relevant personnel and on the basis of full communication and negotiation.

Legal basis: "Law of the People's Republic of China on the Prevention and Control of Infectious Diseases"

Article 42 When an infectious disease breaks out or becomes popular, the local people's government at or above the county level shall immediately Organize forces to carry out prevention and control in accordance with prevention and control plans and cut off the transmission routes of infectious diseases. If necessary, upon reporting to the people's government at the next higher level for decision, the following emergency measures may be taken and announced: (1) Restrict or stop performances in markets and theaters or other crowd gathering activities; (2) suspension of work, business, and classes; (3) closing or sealing public drinking water sources, food, and related items contaminated by infectious pathogens; (4) controlling or culling the epidemic Wild animals, livestock and poultry; (5) Close places that may cause the spread of infectious diseases.

Article 45: When an infectious disease breaks out or becomes popular, the State Council shall have the authority, based on the needs of infectious disease control, to organize nationwide or cross-provincial, autonomous region, or municipality-level local people's governments at or above the county level. The authority has the right to urgently mobilize personnel or reserve materials within its own administrative region, and temporarily requisition houses, transportation vehicles and related facilities and equipment.